Property & Casualty Rates, Forms & Compliance

Covid-19-related Relief to Property and Casualty Insurance Customers

Given the extraordinary circumstances, insurance customers are facing, the Arizona Department of Insurance and Financial Institutions will not take regulatory action against property and casualty insurers for COVID-19-related customer relief payments or premium forgiveness programs provided during the period of the governor-declared public health emergency, even if those payments exceed the $100 limit in Arizona's prohibited inducement statute, so long as they are implemented in a manner that is not unfairly discriminatory to customers (e.g., the criteria for receiving relief are not unfairly discriminatory and all customers who meet the criteria receive the relief).  Insurers who implement a customer relief payment or premium forgiveness program in Arizona must make an informational filing in SERFF, notifying the Department of the following:

  • A detailed description of the scope and terms of the relief payment and premium forgiveness programs, including any policyholder eligibility criteria being used, if any;
  • A description of the basis used to determine the % or dollar amount of the payment;
  • A description of how your customers are being informed of their right to receive a payment or premium forgiveness; and
  • Confirmation that your program deployment ensures that customers are not subjected to unfair discrimination.

You Must Use Serff (System for Electronic Rate And Form Filings) to File All Required Form, Rate, Rule And Advertising Filings.


  • If you are unfamiliar with SERFF or require technical assistance using the site, please contact the SERFF Help Desk at 816‐783‐8990 or [email protected].
  • The Arizona Department of Insurance and Financial Institutions does not own, maintain or offer training for the SERFF system.
  • Obtain Arizona Department of Insurance and Financial Institutions filing checklists, supporting documentation, and transmittal forms from our website or by logging into the SERFF website.
  • If you need help identifying the correct TOI (type of insurance) and sub‐TOI codes for your filings, please see the listing for “Types of Insurance" after logging into the SERFF website.
  • Search closed Property & Casualty filings using SERFF Filing Access (SFA).

Market Conduct Annual Statements (Mcas) Scorecards.

The MCAS provides regulators with a uniform system of collecting market-related information to help the states monitor the market conduct of companies. Currently, MCAS is used to collect claims and underwriting data on the Private Passenger Auto, Homeowners, Life, Annuity, Long Term Care, Health, Lender-Placed Home and Auto, and Disability Income lines of business. This allows regulators to identify concerns regarding claims and underwriting. 

  • MCAS Scorecards (click here to access) are produced each year to show the jurisdiction-wide ratio and the distribution of ratios for all companies filing an MCAS in a given jurisdiction. Individual company ratio information is available through the online MCAS application. A company may gain a better understanding of where they fit in the insurance marketplace and what opportunities may exist to improve their performance in a jurisdiction by comparing their jurisdiction-specific ratios to the scorecard for that jurisdiction.

Property & Casualty Rates, Forms & Compliance