Property & Casualty (

For information on Hurricane Matthew, including all SCDOI-issued regulatory guidance and information for the insurance industry, visit 
Tip: scroll down to the Regulatory Guidance & Information for the Insurance Industry heading

For information on the Hurricane Matthew Insurance Claims Data Call, visit

Statutes & Regulations
Bulletins & Positions (Bulletin 2016-09 published 10/5/2016)
Procedural Guidelines
SERFF P&C Filing Set Up Tutorial
Product Line Table 
Filing Type Table (Updated 12/6/2016)
Actuarial Exhibits and Tutorials for Rate Filings
Data Calls


The Property and Casualty Unit reviews and analyzes rates, rules, and forms for property and casualty insurance products such as automobile,workers’ compensation, and homeowners insurance. 

The information contained on this webpage is intended to be used as a tool by P&C insurers to properly prepare and submit filings to the South Carolina Department of Insurance.  Please know that improper and/or incomplete filings will result in a rejection or disapproval of the filing.

All rate, rule and/or form filings must be submitted via SERFF.  Filings must be submitted by insurer and by line of business.  Multiple insurers within a group may submit a single SERFF filing.

Procedural Guidelines
SERFF P&C Filing Set Up Tutorial
Product Line Table 
Filing Type Table (Updated 12/6/2016)

For more information about SERFF, please contact SERFF (1-816-783-8787 or  

The South Carolina Department of Insurance will review filings for compliance; however it remains the responsibility of the insurer to adhere to all applicable federal and State of South Carolina insurance laws, regulations and policies.

Statutes & Regulations

Insurance Statutes

Insurance Regulations

Highlights of The Insurance Law:
Definitions for The Insurance Law - SC Code Section 38-1-20
Property, Casualty, Inland Marine, Surety Rates and Rate-making Organizations - Title 38, Chapter 73
Property, Casualty, and Title Insurance Generally - Title 38, Chapter 75
Automobile Insurance - Title 38, Chapter 77
Exempt Commercial Policies - Regulation 69-64

*Note: Insurers establishing rates and rules for an exempt product must still comply with the law. The fact that a filing may be "Exempt" simply means that it does not need to be filed; the laws still apply. The Department recommends that a filing be prepared and maintained by the insurer in a file that we refer to as a "Desk File". When conducting examinations, the Department may ask for such a file. Also, from time to time, the Department may survey insurers concerning rate levels. Filings made to the Department will be stamped "Exempt". This is to indicate that the Department did receive the filing. Please see Regulation 69-64 for additional detail.

Bulletins & Positions

LINK to complete list of SCDOI Bulletins

 Highlights for Bulletins:

 Highlights for Positions:

  • Typos, Effective Date Changes - If a carrier requests a filing be re-opened to make a non-substantial change, such as typo correction or a change in the effective date, the original filing can be re-opened.  Contact the analyst assigned to the filing to coordinate this action.  If a carrier makes a filing to make a non-substantial change, such as typo correction or a change in the effective date, the original state tracking number must be referenced in the filing.
  • Adoption/Delay Adoption Filings - Except in the case of workers' compensation loss costs, the law does not require these filings be made.  The original filing is made by a rating organization and subject to approval provisions.  These filings, if submitted, will be treated as exempt. 
  • Optional Fee Schedules - Optional fees are subject to the limitations and filing requirements set forth in Bulletins 2006-08, 2007-11 and 2013-11.
  • Mortgage Guaranty - Mortgage guaranty filings are considered exempt under Regulation 69-64.
  • Fire Protection Classes - The Department permits the use of proprietary/rating organizations' fire protection classes. The fire protection classes must be filed with the Department and approved prior to use.
  • Scheduled Debits and Credits - Schedule debits may not exceed a maximum of 25% of the standard rate nor shall schedule credits exceed 40% of the standard rate. For workers' compensation, the maximum credit or debit is 25%.
  • Waiver of Premium Refund – An insurer may file to waive a return premium that is less than a specified amount, but that amount must be refunded to the insured upon request.
  • Rate Tiers - The Department allows the use of rate tiering. Separate tiers within one company must be filed with the Department. The tiers must be mutually exclusive if filed within one company.
  • Rate Capping – A one-term cap may be approved to limit policyholder disruption, but the manual rate must be achieved when the cap is removed at the next policy renewal.  A transition plan is another form of rate capping, which may be approved as a transition from one rating plan to another rating plan over a period of time (no more than 3 years).
  • Multiple Rating or Rule Plans – Rates or Rule that create different rates for risks with the same rating characteristics are not acceptable as they are considered unfairly discriminatory.  The Department may approve a transition plan to temporarily limit renewal disruption caused by a rating or rule plan change.

Credit Scoring / Insurance Score:
Credit scoring may be used in underwriting and in rating of policies. If used in rating, the specific criteria used in calculating the credit score must be filed with the Department and the filing must include loss experience justifying the applicable surcharge or credit.

The following requirements will be imposed upon insurers that intend to use credit scoring:

1. credit scoring will not be allowed as the sole factor upon which any insurer makes its decision not insure an individual risk,
2. credit scoring may be used to rate individual insureds among tiers,
3. the Department will require the individual insurers, as part of their rate filings, include listings of factors used to score individual risks, the methodology used to develop each factor and the weights given to each factor,
4. any filer may request that its data be kept proprietary as a commercially-valuable trade secret and designate parts or all of its filings accordingly. The Department, absent court order, will not release information which is filed on a proprietary basis. Section 30-4-40(1),
5. each insurer must justify, by appropriate actuarial data, each tier's rate for both liability and physical damage as separate calculations,
6. no hit/no score factors should be equal to the average policyholder’s score (the intent of this rule is to set the no hit/no score factor to the same level as for the average policyholders’ score in the insurer’s book of business, such that the factor being applied to the no hit/no score level is treated as if insurance risk score did not apply), and
7. insureds may request the ordering of a new score every twelve months.

Automobile Specific Positions:

Paintless Dent Repair - It is the Department’s position that insurers should not limit payment based upon repair method such as “Dentless Repair.”

Diminution of Value - The Department allows this to be excluded.

Expense Constants – As long as a policy fee is not being charged, expense constants are allowed as long as they become part of the premium charged.

ID Cards – Should include at least the insurer’s name, insured’s name, policy number, policy term, VIN, and coverage information or a statement that coverage meets the State’s minimum financial responsibility requirements.

Declarations Page – Insurer name, address, and phone number are required on the front of the Declarations page unless such information is provided on the front of the insurer’s policy contract.

Hurricane models approved for use in South Carolina:  (Updated 07/20/2016)
 Modeler Hurricane Model Version Approval Date Anticipated Expiration Date
 AIR Atlantic Tropical Cyclone 12.0.1 03/12/2014 07/01/2017
AIR Atlantic Tropical Cyclone 14.0.1 03/12/2014 07/01/2018
AIR Atlantic Tropical Cyclone 14.1.0 01/06/2016 07/01/2018
AIR Atlantic Tropical Cyclone 15.0.1 07/14/2016 TBD
 AIR Atlantic Tropical Cyclone 15.0.2 11/07/2016 TBD
ARA HurLoss 6 03/12/2014 07/01/2017
CoreLogic WORLDCATenterprise 3.13 03/12/2014 07/01/2017
CoreLogic WORLDCATenterprise 3.16 03/12/2014 07/01/2017
CoreLogic Risk Quantification and Engineering 14 03/12/2014 07/01/2018
CoreLogic Risk Quantification and Engineering  16 07/14/2016 TBD
RMS RiskLink 11.0 SP3a 03/12/2014 07/01/2017
RMS RiskLink 13.0 07/14/2016 07/01/2018
RMS RiskLink 15.0 07/14/2016 TBD
RMS RiskLink 15.0.1 07/14/2016 TBD

If a company is using an unapproved model, then it will need to provide the following:

  • Explanation of why the company is using the selected model
  • Differences between the approved and selected model
  • Impact of the model selection on loss costs and indication calculation
  • Approval and expiration dates set by the Florida Commission on Hurricane Loss Projection Methodology
**Companies must complete the CAT-Home exhibit included in the Property Actuarial Exhibits workbook below for any property insurance rate filing submission.**

Actuarial Exhibits and Tutorials for Rate Filings

Actuarial Exhibits for Rate Filings
The following exhibits have been prepared as a part of the Department's speed to market initiative.  These exhibits are based on acceptable rating methodologies and represent the data elements the Department relies upon in the review of P&C rate filings.  Carriers that submit this information will greatly reduce the review time for their filings.

Tutorials for Rate Filings


  • Credit Related Filing Form
  • Consent to Rate Application & Sample Completed Application
  • Form 39-1A, Drug & Alcohol-Free Workplace Premium Credit Program Application 
  • Workers Compensation Forms 2007-A, 2009-A and 2009-B are included as worksheets within the Workers Compensation Actuarial Exhibits.  To ensure the quality of the premium data used by the NCCI to forecast loss costs, it is necessary that insurance company personnel understand how to properly calculate earned premiums at the designated statistical reporting level (i.e., DSR level).  The NCCI has developed effective training programs to explain these calculations to company personnel.  In order to verify that company personnel are receiving the necessary training, the Department requires the Insurer Certification, Form 2009-B, to be included with all filings affecting workers' compensation insurance rates.