Property and Casualty

The Property and Casualty Section reviews rates to ensure they are not excessive, inadequate or unfairly discriminatory. Policy forms are reviewed or certified for compliance.

Some lines of business the Division reviews include but not limited to:·

• Personal Automobile

• Homeowners

• Workers’ Compensation

• Title

• Commercial Automobile

• Commercial Liability

• Employer’s Liability

• Business Owner’s

• Errors & Omissions

• Boiler & Machinery or Equipment Breakdown

• Credit Personal Property

Each company must file its rates and rules, and must include justification for the rates being charged. The Division does not allow “me-too” filings. Effective dates are required in filings, not “upon approval”.