Rates and Forms


Effective immediately and in accordance with the requirements of 8 V.S.A. Section 18, the Rates & Forms Section of the Vermont Department of Financial Regulation will begin billing back to filers the reasonable costs of outside consultants hired to review filings.  While the most significant impact of this policy will be on rate filings requiring prior actuarial review, the statute cited above applies to both rate and form filings.  Therefore, an especially complex form filing that, in the commissioner’s discretion, requires review by outside consultants may also be subject to this policy.

Questions about this policy may be directed to Kevin Gaffney, Director of Rates and Forms, at (802) 828-4845 or Phil Keller, Director of Insurance Regulation, at (802) 828-1464.

The Rates and Forms section is responsible for reviewing and approving insurance company filings for products and pricing. The section serves to protect consumers by ensuring that filings comply with Vermont's laws, regulations and bulletins.  In addition, the section serves as a technical resource for consumers, industry and other interested parties.

How do I make a filing?

The general filing requirements, individual policy checklists and most common filing errors provided under this section are intended to assist the filer in submitting a policy and/or rate filing more efficiently, resulting in enhanced speed-to-market. Please select the product line below for details.

We encourage you to examine this site thoroughly before calling us.  You are sure to find answers to many of your questions.

For further guidance, please contact:

Commercial Lines:
Rosemary Raszka:  (802)828-1686

KC NG: (802)828-4844

Kevin Gaffney: (802)828-4845

Personal Lines/Commercial Auto
Jessica Sherpa: (802)828-2908

Workers Compensation/Individual Risk/Mid-Term Cancellations
Kevin Gaffney: (802)828-4845

Individual Life: 
Barbara Prentice (802)828-4848

Group Life & Annuities:
Phil Keller: (802)828-1464

Phil Keller: (802)828-1464

Noel Hudson: (802)828-1975

If you have questions regarding:  

  • Scheduling time to review  Rate and Form filings
  • Rate and Form Filing Fees
  • Questions regarding SERFF

Contact Shelley Stuart    shelley.stuart@vermont.gov