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Texas Department of Insurance
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Actuarial Corner - Statute & rule listing

The following is a listing of the statutes, rules and other online resources that are most often referenced by the P&C Actuarial Staff. It is not, nor is intended to be a listing of every statute and rule that may apply to property and casualty rate issues.

General rate regulation


  • §1953.051 - Certain rating plans prohibited
  • §1953.052 - Premium surcharge required
  • Chapter 2151 - Texas automobile insurance plan association
  • Chapter 2153 - Group marketing of automobile insurance for persons over 55 years of age
  • 28 TAC §5.401 - Temporary and permanent requirements regarding underwriting treatment of and disclosure to applicants for private passenger automobile liability insurance
  • 28 TAC §21.1005 - Prohibition of Underwriting Guidelines Based on the Purchase of Types or Amounts of Coverage in Excess of Minimum Limits Liability Coverage

Commercial multi-peril policies

Credit scoring

Debt cancellation agreements/GAP/GAP waiver

Inland marine

Medical malpractice

  • Chapter 1901 - Professional Liability Insurance for Physicians and Health Care Providers

Mortgage guaranty

Residential property

  • Chapter 544 Subchapter H - Water damage claims
  • §551.107 - Renewal of certain policies; premium surcharge authorized; notice
  • Chapter 2006, Subchapter B - Optional premium discount for certain residential property insurance policies
  • Chapter 2210 - Texas Windstorm Insurance Association
  • Chapter 2211 - FAIR Plan
  • Chapter 2251 Subchapter F - Exemptions for certain insurers from rate filing and approval requirements
  • 28 TAC §5.3702 - Designation of underserved areas for residential property insurance for purposes of the insurance code Article 5.13-2C (now Chapter 2251 Subchapter F)
  • 28 TAC §21.1004 - Restrictions on Certain Claims in Residential Property Insurance and Transition Plan Requirement
  • 28 TAC §21.1006 - Prohibition Against Declining To Write Residential Property Insurance Based on the Age or Value of the Property
  • 28 TAC §21.1007 - Restrictions on the Use of Underwriting Guidelines Based On a Water Damage Claim(s), Previous Mold Damage or a Mold Damage Claim(s)



Underwriting guidelines

  • §38.002 - Underwriting guidelines for personal automobile and residential property insurance; filing; confidentiality
  • §38.003 - Underwriting guidelines for other lines; confidentiality
  • Chapter 2053 Subchapter A-1 - Underwriting guidelines for workers' compensation
  • 28 TAC §5.9340-5.9342 - Filings Made Easy-- Underwriting guideline filing requirements for personal automobile, residential property, and workers' compensation insurance

Worker's compensation

Other related topics

  • Chapter 462 - Texas property and casualty insurance guaranty association
  • Chapter 912 - County mutual insurance companies
  • Chapter 941 - Lloyd's plan
  • Chapter 942 - Reciprocal and interinsurance exchanges
  • 28 TAC §3.834 - Volunteer Fire Department Assistance Fund Assessment under Insurance Code Chapter 2007

For more information, contact:

Last updated: 4/3/2024