On this page
Property and casualty rate, rule and form filings in Washington are reviewed by the Washington State Office of the Insurance Commissioner. This page summarizes how filing works there from public sources: where to search filings that are already public, and the statutes, regulations and department guidance that set the rules, grouped by line of business. Every entry links to the official source.
At a glance
| Regulator | Washington State Office of the Insurance Commissioner |
|---|---|
| Filing system | SERFF (department source) |
| Public filings | SERFF Filing Access (how to search) |
| Lines summarized | Homeowners, Personal auto, Property and dwelling fire, Workers' compensation, Commercial multi-peril, Inland marine, Earthquake, Fidelity, Burglary and theft |
| Last reviewed |
Key filing rules
Selected statutes, regulations and guidance on how rates and forms are filed and reviewed in Washington, each linked to the official text.
- RCW 48.18.103 - Commercial property forms are filed within thirty days after issuanceProperty and dwelling fire · Statute
- RCW 48.18.100 - Filing and approval of formsStatute
- RCW 48.19.020 - Rate standardStatute
- RCW 48.19.530 and RCW 48.19.540 - Two rate filing duties written to property insurersProperty and dwelling fire · Statute
- Washington OIC State of Washington P/C Rate Filing ChecklistCommercial multi-peril · Department guidance
- Washington State SERFF Property and Casualty Rate Filing General Instructions (Ed. 11-8-2021)Earthquake · Department guidance
How to search Washington's public rate and form filings
- The Office of the Insurance Commissioner's page on searching company filings points to the NAIC's SERFF for company rate, rule and form filings. Source
- Under RCW 48.19.040, a rate filing and its supporting information are open to public inspection only after the filing takes effect. Source
- For usage-based auto insurance, the part of a filing that describes the usage-based rate component is kept confidential. Source
- If a filing or document cannot be found or downloaded through SERFF Filing Access, the office asks readers to submit a public disclosure request. Source
Start from the department's page: Washington State Office of the Insurance Commissioner.
Checked
Rules for every line
Statutes, regulations and guidance that apply across property and casualty lines.
- RCW 48.14.010 - Fee scheduleStatute
- RCW 48.18.100 - Filing and approval of formsStatute
- RCW 48.18.103 - Commercial property casualty forms issued before filingStatute
- RCW 48.18.290 and 48.18.2901 - Cancellation and nonrenewalStatute
- RCW 48.19.020 - Rate standardStatute
- RCW 48.19.030 - Making of rates; criteriaStatute
- RCW 48.19.035 - Personal insurance; credit history and insurance scoresStatute
- RCW 48.19.040 - Filing required; contentsStatute
Last reviewed
Homeowners
Washington sources for homeowners filings (SERFF type of insurance 04.0 Homeowners).
- RCW 48.18.290 - Cancellation and the homeowners unearned premium refundStatute
- RCW 48.18.2901 - Nonrenewal of a homeowners policyStatute
- RCW 48.19.030(3)(b) - Catastrophe hazards in homeowners ratemakingStatute
- RCW 48.19.035 - Homeowners is personal insurance for credit scoringStatute
Last reviewed
Personal auto
Washington sources for personal auto filings (SERFF type of insurance 19.0 Personal Auto).
- RCW 46.30.020 and RCW 46.29.090 - compulsory liability insurance and policy limitsStatute
- RCW 48.18.291 through 48.18.297 - cancellation and nonrenewal of private automobile insuranceStatute
- RCW 48.19.460 through 48.19.490 - mandatory accident prevention course discountStatute
- RCW 48.19.500 and RCW 48.19.501 - loss mitigation exhibits required in each auto filingStatute
- RCW 48.22.020 and RCW 48.19.400 - assigned risk plansStatute
- RCW 48.22.030 - underinsured motorist coverageStatute
Last reviewed
Property and dwelling fire
Washington sources for property and dwelling fire filings (SERFF type of insurance 01.0 Property).
- Chapter 48.27 RCW - Over-insurance is prohibited and there is no valued policy lawStatute
- RCW 48.18.103 - Commercial property forms are filed within thirty days after issuanceStatute
- RCW 48.18.125 - Mortgagee and loss payable clauses are prescribed formsStatute
- RCW 48.19.010 - Chapter 48.19 reaches the whole property lineStatute
- RCW 48.19.050 and RCW 48.19.280 - All-or-nothing rating organization filings on fire businessStatute
- RCW 48.19.530 and RCW 48.19.540 - Two rate filing duties written to property insurersStatute
Last reviewed
Workers' compensation
Washington sources for workers' compensation filings (SERFF type of insurance 16.0 Workers Compensation).
- RCW 48.19.010 and RCW 48.11.070 - what the Insurance Commissioner's rate chapter reaches on this lineStatute
- RCW 51.14.010, RCW 51.04.010 and RCW 51.12.010 - the two routes, the exclusive remedy and the reach of title 51Statute
- RCW 51.14.020 - qualification as a self-insurer, the surety regime and the eighty per cent reinsurance limitStatute
- RCW 51.16.035 and WAC 296-17 - how the state fund fixes its own ratesStatute
- RCW 51.18.010 and RCW 51.16.140 - retrospective rating, and the worker's share of the premiumStatute
- WAC 296-15-021 and WAC 296-15-121 - excess insurance as a condition of self-insurance, and the rules that govern the policyRegulation
Last reviewed
Commercial multi-peril
Washington sources for commercial multi-peril filings (SERFF type of insurance 05.0 Commercial Multi-Peril).
- RCW 48.18.103 - Forms of commercial property casualty policies; issuance prior to filingDepartment guidance
- RCW 48.19.043 - Forms of commercial property casualty policies; issuance prior to filingDepartment guidance
- WAC 284-19-100, standard policy coverage and codingDepartment guidance
- WAC 284-20B-170 - Exemption for insurance forms issued to large commercial property and casualty accountsDepartment guidance
- Washington OIC property and casualty rate and form filing instructionsDepartment guidance
- Washington OIC State of Washington P/C Rate Filing ChecklistDepartment guidance
Last reviewed
Inland marine
Washington sources for inland marine filings (SERFF type of insurance 09.0 Inland Marine).
- RCW 48.19.040Statute
- RCW 48.19.043Statute
- WAC 284-24-070Regulation
- WAC 284-24-100Regulation
- WAC chapter 284-24ARegulation
- P&C rate checklistDepartment guidance
Last reviewed
Earthquake
Washington sources for earthquake filings (SERFF type of insurance 12.0 Earthquake).
- RCW 48.18.103 - Forms of commercial property casualty policies; issuance prior to filingDepartment guidance
- RCW 48.19.040 - Filing required; contentsDepartment guidance
- Washington State SERFF Personal Insurance Scoring Model Filing General Instructions (Ed. 3-22-2016)Department guidance
- Washington State SERFF Property and Casualty Form Filing Instructions (Ed. 11-14)Department guidance
- Washington State SERFF Property and Casualty Rate Filing General Instructions (Ed. 11-8-2021)Department guidance
Last reviewed
Fidelity
Washington sources for fidelity filings (SERFF type of insurance 23.0 Fidelity).
- RCW 48.18.100Statute
- RCW 48.19.040Statute
- RCW 48.19.043Statute
- Washington P&C Filing InstructionsDepartment guidance
- Washington P&C Rate ChecklistDepartment guidance
Last reviewed
Burglary and theft
Washington sources for burglary and theft filings (SERFF type of insurance 26.0 Burglary and Theft).
- RCW 48.18.103Statute
- RCW 48.19.040Statute
- RCW 48.19.043Statute
- Washington P&C Filing InstructionsDepartment guidance
- Washington P&C Rate ChecklistDepartment guidance
Last reviewed
Not legal advice. This is a summary of public sources, last reviewed September 18, 2026. Requirements change and differ by line and filing: verify them with the Washington State Office of the Insurance Commissioner before you file. All states