Property and Casualty

Filing Submission Requirements
Annual Health Reporting Requirements
Rates and Forms Property and Casualty Contacts

Property and Casualty Filing Requirements

The Regulatory filing requirements and Submission 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.

Please review the contents of Regulation I-2010-03 Property and Casualty Insurance Filing Procedures and Reporting Requirements.

Commercial Lines other than Auto
  • Regulatory Requirements
Pet Insurance
Travel Insurance
Personal Lines Other than Auto
  • Regulatory Requirements
Personal Auto
Commercial Auto
  • Regulatory Requirements
Workers' Compensation
  • Submission Requirements


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.

Bulletin 189 - "Non-Cumulation" Policy Provisions

Bulletin 186 - Price Optimization in Personal Lines Ratemaking

Bulletin 184 - Property Loss Claims: No Labor Depreciation

Property and Casualty Annual Insurer Reporting Requirements

Below is a list of reporting requirements.  Please click on the links below to access instructions for completion and submission of these reports.


Commercial Lines
Rosemary Raszka
Assistant Director of Rates and Forms Property and Casualty
802- 828-1686
Pat Murray
Senior Rate and Form Analyst
802- 828-5795

Lisa Johnson Bergeron
Insurance Rate & Form Analyst III
802- 828-2471
Personal Lines/Commercial Auto/Workers Compensation
Jessica Sherpa
Rate and Form Analyst
802- 828-2908


Contact Information

Department of Financial Regulation
Consumer Services 
89 Main Street, Montpelier, VT 05620 - 3101

833-DFR-HOTLINE (toll free)
833-337-4685 (toll free)

Public Information
For public records, media inquiries, and press releases visit our Public Information web page

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Employee Information