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 (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 percent for personal auto policy may be use-and-file once per calendar year per company. Otherwise, the filing must meet the prior approval standard (N.D.C.C. § 26.1-25-04).
A rate/rule filing of less than 5 percent for homeowners policy may be use-and-file once per calendar year per company. Otherwise, the filing must meet the prior approval standard (N.D.C.C. § 26.1-25-04).
Filing through the National Association of Insurance Commissioners (NAIC) System for Electronic Rates & Forms Filing (SERFF) is preferred over hard copy but both are allowed. The general filing requirements and guidelines for both can be found in Bulletin 98-1. For specific information relating to crop/hail filings, please see our annual bulletin.
Filing Forms
For SERFF filings requiring a filing fee:
If you do not use an electronic funds transfer (EFT), then you may submit a SERFF Retaliatory Filing Fee - ND2000 form (SFN 51680) when submitting the filing fee through the mail.
The North Dakota Insurance Department introduced the Policy, Form, and Rate Filing Transmittal - ND1000 form (SFN 51679). Per Bulletin 98-1, this form is required to be used when filing a hard copy policy, form or rate filing.
The Department will also accept the National Association of Insurance Commissioners' (NAIC) Uniform Filing Transmittal Form or Policy Form. It is not necessary to submit both the Uniform Filing Transmittal Form and SFN 51679.
- The Interactive Property & Casualty Transmittal Document is designed for property and casualty submissions.
- The Life, Accident & Health, Annuity, Credit Transmittal Document is designed for life, health, annuity and credit submissions.
For property and casualty loss cost filings, in addition to SFN 51679, the Prospective Loss Costs Reference Filing - NDPC300 form (SFN 51681) is required.
For crop hail loss cost filings, in addition to SFN 51679, the Crop Insurance Rate Filing - NDPC200 form (SFN 51682) is required.
For consent to rate filings, the Consent to Rate Application - NDPC400 (SFN 51683) is required. SFN 51679 is not required for this type of filing.
Research Policy Form and Rate Filing Records
You may access certain rate and from filings under property, causalty, life and health through the National Association of Insurance Commissioners (NAIC) System for Electronic Rates & Forms Filings (SERFF) Filing Access.
A request to the North Dakota Insurance Department for a filing must include a description of what you are looking for, such as the filing timeframe, company name or the type of filing. The Department will assist with simple searches but most searches can be done using the National Association of Insurance Commissioners (NAIC) System for Electronic Rates & Forms Filings (SERFF) Filing Access or a vendor.
The following vendors are those the North Dakota Insurance Department is aware of that will make searches on behalf of interested parties. The Department does not endorse any company:
AM Best
ratefilings@ambest.com
Ambest Rd.
Oldwick, NJ 08858
(908) 439-2200 ext. 5674
(908) 439-3296 Fax
Command Labor & Staffing
933 ½ Basin Ave.
Bismarck, ND 58504
(701) 250-9675
(701) 250-9676 Fax
Kelly Services
Northbrook Mall
Bismarck, ND 58501
(701) 223-2831
Martin & Company
info@martincompanyus.com
P.O. Box 70
Edgemont, PA 19028-0070
(610) 325-4455
(610) 325-4405 Fax
Perr & Knight
881 Alma Real Dr., Ste. 205
Pacific Palisades, CA 91403
(888) 201-5123 ext. 123
(310) 230-1061 Fax
Search Company of North Dakota LLC
1501 N 12th St., Ste. 1
Bismarck, ND 58501-2713
(701) 223-1848
(701) 223-1850 Fax