Texas Department of Insurance

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Property/Casualty Filings Made Easy Guide - Part 1 of 9

   

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The Texas Department of Insurance
+ Edition: November 2011 +

+ Indicates new information since last update +

INTRODUCTION   

 

FILING TRANSMITTAL   

 

SECTION I - FORM AND MANUAL RULE FILINGS   

 

SECTION II - RATE FILINGS   

 

SECTION III - TORT REFORM

 

SECTION IV - CREDIT SCORING

 

SECTION V - UNDERWRITING GUIDELINE FILING REQUIREMENTS

 

SECTION VI - REDUCED FILING REQUIREMENTS FOR CERTAIN INSURERS

 

INTRODUCTION   

Purpose

This guide is intended to provide assistance to filers with regard to rule, rate, and form filings. The information includes the required filing transmittal form and instructions for each line of insurance. Filers are encouraged to contact the appropriate divisions by telephone, facsimile, or e-mail to address questions prior to submitting a filing.

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Mailing Addresses   

All filings must be submitted to the Property & Casualty Intake Unit.

  • Mail to:
    Texas Department of Insurance
    Property & Casualty Intake Unit
    Mail Code 104-3B
    P.O. Box 149104
    Austin, Texas 78714-9104

  • Deliver to:
    Texas Department of Insurance
    Property & Casualty Intake Unit
    Mail Code 104-3B
    Tower I, Room 400B
    333 Guadalupe Street
    Austin, Texas 78701

All addresses listed below are for correspondence.

  • Automobile - Commercial
    Texas Department of Insurance
    Commercial Lines Office
    Mail Code 104-PC
    P.O. Box 149104
    Austin, Texas 78714-9104

  • Automobile - Personal
    Texas Department of Insurance
    Personal Lines Office
    Mail Code 104-1A
    P.O. Box 149104
    Austin, Texas 78714-9104

  • Commercial Property/Casualty
    Texas Department of Insurance
    Commercial Lines Office
    Mail Code 104-PC
    P.O. Box 149104
    Austin, Texas 78714-9104

  • Property/Casualty Actuarial
    Texas Department of Insurance
    Property and Casualty Actuarial Office
    Mail Code 105-5F
    P.O. Box 149104
    Austin, Texas 78714-9104

  • Residential Property
    (Homeowners/Dwelling)
    Texas Department of Insurance
    Personal Lines Office
    Mail Code 104-1A
    P.O. Box 149104
    Austin, Texas 78714-9104

  • Workers' Compensation
    Texas Department of Insurance
    WC Classification & Premium Calculation Office
    Mail Code 105-2A
    P.O. Box 149104
    Austin, Texas 78714-9104

E-mail address: Firstname.Lastname@tdi.state.tx.us

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Telephone and Fax Numbers   

  • Property & Casualty Filing Intake Unit
    • Phone Number - 512.322.3575

    • Fax Number - 512.490.1016

  • Automobile, Commercial
    • Phone Number - 512.305.6711

    • Fax Number - 512.490.1014

  • Automobile, Personal
    • Phone Number - 512.322.2266

    • Fax Number - 512.490.1015

  • Bond, Crime, Commercial Glass,Credit & Other Casualty

    • Phone Number - 512.305.6711

    • Fax Number - 512.490.1014

  • Commercial Property

    • Phone Number - 512.305.6711

    • Fax Number - 512.490.1014

  • General Liability

    • Phone Number - 512.305.6711

    • Fax Number - 512.490.1014

  • Personal Casualty

    • Phone Number - 512.322.2266

    • Fax Number - 512.490.1015

  • Professional Liability

    • Phone Number - 512.305.6711

    • Fax Number - 512.490.1014

  • Property/Casualty Actuarial

    • Phone Number - 512.475.3017

    • Fax Number - 512.463.6122

  • Residential Property (Homeowners/Dwelling)

    • Phone Number - 512.322.2266

    • Fax Number - 512.490.1015

  • Workers' Compensation

    • Phone Number - 512.322.3495

    • Fax Number - 512.322.4108

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Governing Statutes /   Regulatory Requirements

The following charts are summaries of statutory and regulatory requirements for filings for each line of insurance. Please see Intro-10 and Intro-11 for a list of former article numbers.

Form Regulation, Rate Regulation, or Summary of Statutory Requirements For Form Filings

   

Governing Statutes for FORM Regulation
Line of Insurance Texas Insurance Code Chapter / Section Form of Regulation
Automobile - Commercial 2301 Prior Approval
Automobile - Personal 2301 Prior Approval
Boiler and Machinery 2301 Prior Approval
Commercial Casualty 2301 Prior Approval
Credit 2301 Prior Approval
Credit/Involuntary Unemployment 2301 Prior Approval
Crime 2301 Prior Approval
Excess Liability 2301 Prior Approval
Excess Umbrella 2301 Prior Approval
Farm Liability 2301 Prior Approval
Farm & Ranch and Farm & Ranch Owners 2301 Prior Approval
Fidelity, Surety and Financial Guaranty Bonds or Insurance (Other than Criminal Court Appearance Bonds) 2301 Prior Approval
GAP - Dual Interest (Personal) 2301 Prior Approval
GAP - Single Interest (Commercial) 2301 Prior Approval
General Liability 2301 Prior Approval
Glass 2301 Prior Approval
Identity Theft 2301 Prior Approval
Inland Marine (Commercial and Personal), Rain and Crop Hail 2301 Prior Approval
Involuntary Unemployment 2301 Prior Approval
Mortgage Guaranty 3502 File and Use
Mortgage Guaranty Pool 3502 Use and File
Multi-Peril 2301 Prior Approval
Personal Casualty 2301 Prior Approval
Professional Liability (Medical) 1901 / 2301 Prior Approval
Professional Liability (Other than Medical) 2301 Prior Approval
Property - Commercial 2301 Prior Approval
Property - Residential (Homeowners/Dwelling) 2301
Prior Approval
Umbrella - Commercial 2301 Prior Approval
Umbrella - Personal 2301 Prior Approval
Workers' Compensation 2052.002 Standard Policy/Endorsements - Promulgated
Non-Standard Endorsements - Prior Approval

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Governing Statutes for RATE Regulation
Line of Insurance Texas Insurance Code Chapter/Section Form of Regulation
Automobile - Commercial 2251 File & Use
Automobile - Personal 2251 File & Use
Boiler and Machinery 2251 File & Use
Commercial Casualty 2251 File & Use
Credit 2251 File & Use
Credit/Involuntary Unemployment 2251 File & Use
Crime 2251 File & Use
Excess Liability 2251 File & Use
Excess Umbrella 2251 File & Use
Farm & Ranch and Farm & Ranch Owners 2251 File & Use
Farm Liability 2251 File & Use
Fidelity, Surety and Financial Guaranty Bonds or Insurance (Other than Criminal Court Appearance Bonds) 2251 File & Use
GAP - Dual Interest (Personal) 2251 File & Use
GAP - Single Interest (Commercial) 2251 File & Use
General Liability 2251 File & Use
Glass 2251 File & Use
Identity Theft 2251 File & Use
Inland Marine (Commercial and Personal), Rain and Crop Hail 2251 File & Use
Involuntary Unemployment 2251 File & Use
Mortgage Guaranty 3502 File & Use
Mortgage Guaranty Pool 3502 File & Use
Multi-Peril 2251 File & Use
Personal Casualty 2251 File & Use
Professional Liability (Medical) 2251 File & Use
Professional Liability (Other than Medical) 2251 File & Use
Property - Commercial 2251 File & Use
Property - Residential (Homeowners/Dwelling) 2251 File & Use
Umbrella - Commercial 2251 File & Use
Umbrella - Personal 2251 File & Use
Workers' Compensation 2053 File & Use

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Summary of Statutory Requirements For Form Filings

 

List of Articles Recodified in the 78th, 79th, and 80th Legislative Sessions

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ADVISORY ORGANIZATIONS   

  • General Information - Advisory organizations may file prospective loss costs, supplementary rating information, and policy forms, subject to Chapter 1805, Texas Insurance Code.

    Advisory organizations are subject to the same filing requirements as insurers.

    ------------------------------

  • Filing Transmittal - The filing transmittal is required to be completed and submitted as outlined in this guide except as noted below:

    • Advisory organization information should be inserted where form asks for Company information.

    • Advisory organization's Texas Department of Insurance (TDI) license number should be inserted where form asks for NAIC No.

    ------------------------------

  • Subscribers - An insurer that subscribes to an advisory organization must make a reference filing to use the information submitted by an advisory organization. Refer to FORMS-2 and RATES-2 for reference filing requirements.

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SERFF (System for Electronic Rate and Form Filings)   

  • General Information - On September 15, 1999, TDI began accepting electronic form and rule filings for Property & Casualty companies doing business in Texas. This system is designed to expedite the review and approval of filings and reduce the amount of paperwork.

    TDI SERFF website: www.tdi.texas.gov/company/serff/index.html

    TDI will accept SERFF filings for all commercial and personal lines of insurance.

    Exception: TDI will not accept underwriting guideline filings through SERFF.

    General instructions for Electronic Filing Submissions in Texas can be accessed at the above website.

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Continue with Filing Transmittal Introduction



For more information contact:

CommercialPC@tdi.state.tx.us

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