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Home > Companies > Policy, form and rate filing
Policy, form and rate filing

In general, North Dakota is a prior approval state for forms and rates/rules filings.

  • A rate/rule filing for commercial lines (with the exception of medical malpractice, farm owners and crop/hail insurance) is use-and-file; see N.D.C.C. 26.1-25-04. In other words, medical malpractice, farm owners and crop/hail insurance are prior approval.
     
  • A rate/rule filing of less than 5% for personal auto policy may be use-and-file once per calendar year per company. Otherwise, the filing must meet the prior approval standard; see N.D.C.C. § 26.1-25-04.
     
  • A rate/rule filing of less than 5% for homeowners policy may be use-and-file once per calendar year per company. Otherwise, the filing must meet the prior approval standard; see N.D.C.C. § 26.1-25-04.
     
  • Filing via SERFF, or electronic, is preferred over hard copy but both are allowable. The general filing requirements and guidelines for both can be found in Bulletin 98-1 issued May 23, 1998. For crop/hail filings, please pay attention to our annual bulletin.

If you are not able to find what you are looking for, let us know, and we'll do our best to help you.

Product Filing Division
Chrystal Bartuska
Division Director
701.328.2440
cabartuska@nd.gov

 

North Dakota Insurance Department
600 E. Boulevard Ave.
Bismarck, ND 58505-0320
Phone 701.328.2440
Toll free 800.247.0560
Fax 701.328.4880

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