The Rates & Forms Division reviews and approves or disapproves rate filings to determine the consistency with statutory requirements that they NOT be excessive, unjust, or unfairly discriminatory. We review and approve or disapprove insurance policies and related forms consistent with statutes and regulations.
Our Division consists of the following: Life& Health, HMO's, Credit Life and Accident & Health and Property-Casualty. Life & Health includes Medicare Supplement, Long Term Care, Individual & Group Health. Property & Casualty includes Personal & Commercial Fire, General Liability, Inland Marine, Medical Malpractice, Personal & Commercial Automobile, and other types of liability.
We are a PRIOR APPROVAL STATE. We receive approximately 700 filings per month.
Electronic Public Access to Insurance Company Filings
In an effort to make records more accessible to the public, the Commission is pleased to offer two methods of electronically accessing insurance company filings. Filings are available electronically upon the completion of the Rates and Forms Division’s review.
Insurance company filing are now available to the public through the SERFF Filing Access (SFA) website. Through the SFA, you can view filing conveniently from your home, office or anywhere you have access to a computer. There is no charge associated with this method. SERFF Filing Access Link
Public Information Kiosk
The West Virginia Insurance Commission, located at 900 Pennsylvania Avenue in Charleston, WV is proud to announce the implementation of our Rates & Forms Information Kiosk. All public rate & form filings are now available through this kiosk located in the Rates and Forms Division. The kiosk contains filings stored on our in-house imaging system as well as the National Association of Insurance Commissioners (NAIC) System for Electronic Rate & Form Filing (SERFF) system. Due to the limited availability of access via this single terminal, reservations are recommended and may be made up to 30 days in advance by calling (304)-558-2094.
Filings may be viewed, and/or copied to a CD. The price list for copying to a CD is $5.00 per filing plus a fee of $5.00 per CD. For example, if 3 filings are burned to a CD, the total fee is $20.00.
Hours and Location
The Rates and Forms staff is available from 8:00 to 5:00 Monday through Friday. Our office is located in the West Virginia Lottery Building, 900 Pennsylvania Avenue, Room 717, Charleston, WV (parking is available in front of the building).
Phone: (304) 558-2094
Send Correspondence to the address below:
West Virginia Offices of the Insurance Commissioner
Attention: Rates & Forms
P.O. Box 50540, 900 Pennsylvania Avenue
Charleston, WV 25305-0540