Rates & Forms

Insurance Sub-term

Property & Casualty

Welcome to the Property and Casualty page for the Department of Financial Regulations Rates and Forms section.  Please use the links below to assist you with filings and visit our "What's New?" section to see updates on department policies and positions on future and current filings.

 

Life & Annuities

Welcome to the Life and Annuities page for the Department of Financial Regulations Rates and Forms section.  Please use the links provided below and visit our "What's New?" section for updated department policies and positions on current and future filings.

 

Health

Welcome to the Health Page for the Vermont Department of Financial Regulations Rates and Forms department.  Please use the menu below and be sure to visit our "What's new in health filings?" section for updated department policies and positions on current and future filings.

Travel Insurance Regulatory Requirements

The Regulatory filing requirements provided under this section are for your guidance only; all insurers/filers have the responsibility to read and correctly apply the laws as they pertain to each filing.
 

Pet Insurance Regulatory Requirements

The Regulatory filing requirements provided under this section are for your guidance only; all insurers/filers have the responsibility to read and correctly apply the laws as they pertain to each filing.
 

Personal Lines (other than Auto) Regulatory Requirements

Sexual abuse exclusion permitted. The Department does not allow “physical abuse” to be excluded. We do allow the absolute exclusion of sexual abuse and molestation of a sexual nature. Also, the exclusion of corporal punishment or physical and/or mental abuse must be limited to that inflicted upon an insured by an insured.
Regulatory Reference or Source: Department requirement http://legislature.vermont.gov/statutes/

 

Commercial Lines (other than auto) Regulatory Requirements

The Regulatory filing requirements provided under this section are for your guidance only; all insurers/filers have the responsibility to read and correctly apply the laws as they pertain to each filing.

Health Filing Requirements

The Submission requirements and the Recurring Issues checklist provided under this section are for your guidance only; all insurers/filers have the responsibility to read and correctly apply the laws as they pertain to each filing.

Submission Requirements

Health Submission Requirements

Actuarial Memorandum

A comprehensive actuarial memorandum must accompany all filings that include rates. The following minimum elements must be included in each actuarial memorandum

Workers' Compensation Submission Requirements

Include actuarial memorandum for all filings that include a rate component. The actuarial memorandum should be complete and demonstrate all rating changes.

 

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