• IIES System
• Motor Vehicle Law Enforcement Fee (MVLEF) Filing Information
• No-Fault Information and Resources
• Incorporation and Licensing of Captives in New York
• Reg 41 Current Export List
• Worker's Comp Loss Cost Multipliers and Expense Constants currently in use as of April 17, 2026 (PDF)
• Superintendent's Index of Tax District Offices for Notice of Intent to Claim Against Fire Insurance Proceeds
• Listings of statutes, regulations, and circular letters

Regulation 79 Statement Waivers and Plan of Operation Filings

Effective May 15, 2024, insurers may waive the requirement to inspect some or all automobiles prior to providing auto physical damage coverage. An insurer must submit a statement waiving its right to inspections for ALL automobiles prior to implementation. If waiving the right to inspections for only SOME automobiles, a revised plan of operation that specifies the automobiles subject to inspection and the automobiles for which the insurer is waiving the inspection must be filed via email with DFS prior to implementation. The Department does NOT accept these submissions in any other way including via SERFF or regular mail.

• Email all Reg 79 submissions in PDF format to [email protected].

Supplemental Spousal Liability Insurance

Prior to March 26, 2025 Insurance Law § 3420(g) required an insurer issuing or delivering a policy that satisfies Vehicle and Traffic Law (VTL) Article 6 to provide supplemental spousal liability (SSL) insurance, unless the named insured declines SSL insurance in writing. Learn more about how Supplemental Spousal Liability Insurance has changed, and access the Declination form.

Medical Malpractice Insurance Providers

Regulation No. 170 established the New York Medical Malpractice Insurance Plan (MMIP) to provide for the equitable distribution of eligible health care providers and facilities unable to obtain insurance in the voluntary market to authorized medical malpractice insurers. Medical providers and facilities needing insurance, should first contact the insurers writing this coverage in the voluntary market. Individuals and facilities unable to obtain medical malpractice insurance in the voluntary market, and who have been declined by at least three insurers (or the number writing the coverage if less than three) may contact the MMIP at (212) 576-9687.

• Authorized Insurers Writing Medical Malpractice Insurance in New York

NYAIP Manual

The New York Automobile Insurance Plan (NYAIP) was established pursuant to Article 53 of New York Insurance Law to provide auto liability and physical damage coverage to those unable to obtain insurance in the voluntary market. All insurers writing auto insurance in New York must participate in the NYAIP. The NYAIP operates pursuant to rules contained in its Plan of Operations. Amendments to these rules are made by the 22 member Governing Committee, subject to the approval of the Superintendent of Financial Services, who may also direct amendments to the Plan of Operations. For the current NYAIP Manual and the latest Important Notices issued, visit the NYAIP website regularly.

Publicly Available P&C Rate, Rule, and Form Filings

The Department makes certain Property/Casualty rate and form filings available for public viewing online via the NAIC SERFF State Filing Access website. You may also obtain access to filings by submitting a Freedom of Information Law (FOIL) request to DFS. Filings may contain or incorporate material protected by U.S. or foreign copyright laws, and no person may reproduce, redistribute, or make commercial use of any such material in violation of those laws. Note: It is possible a filing has been substantively or editorially updated by a subsequent filing. Always search for the most recent version of the filing. DFS is not responsible for any errors in or omissions from the filings.

Unless otherwise noted, the resources below are in PDF format.

• Motor Vehicle Law Enforcement Fee (MVLEF) form
• Public Motor Vehicle Liability Security Fund form
• Reinsurance Agreements
• Resolution Regarding Untrustworthy And Change In Plan Of Operations Commitments - Applicant
• Resolution Regarding Untrustworthy And Change In Plan Of Operations Commitments - Parent
• Resolution Regarding Limitation on Writing Commitment - Applicant
• Resolution Regarding Limitation on Writing Commitment - Parent
• Resolution Regarding Shareholder Dividends Commitment - Applicant
• Resolution Regarding Shareholder Dividends Commitment - Parent
• Custodian Agreement Conforming with Section 1314 of the New York Insurance Law - Domestic Applicant
• Resolution Pursuant to Section 1106 of the New York Insurance Law - Foreign Company

Visit Property & Casualty Reporting Requirements and Data Calls for information and links to data calls and reporting requirements for Property & Casualty Insurers. 

• Use the most current version: Don't complete a report that is out of date. For instance, do not complete the 2025 Insurance Availability Survey and Annual Free Trade Zone Update for submission in 2026.
• Make sure you are required to file: Don't complete reports you are not required to submit. If, after reading the information in the "Who Must File" section, you are not sure if you must file, contact the individual(s) listed as Contacts for each report.

The Department of Financial Services requires all domestic companies to provide certain data and documentation in advance of their financial examination. Data must be submitted online in electronic format.

• Instructions, documents and Questionnaires are available on this website.

As of 2020, submission of a rate, rating plan, rating rule, rating manual, rating classification, territory, or insurance contract or policy form must be made through the NAIC System for Electronic Rates and Forms Filing (SERFF), subject to limited exceptions and exemptions as specified in §6.3 (11 NYCRR 6).

• General Guidelines for filing in the State of New York via SERFF.
• General Guidelines for Filings Not Submitted Via SERFF
• "Speed to Market" Program Guidelines

The Insurance Information Enforcement System (IIES) is a Department of Motor Vehicles comprehensive vehicle based system that  monitors the insurance status of New York State-registered vehicles. Vehicle registrants provide DMV with vehicle identification numbers (VINS) during their registration process and insurance companies use the same names and VINS when reporting any change in insurance coverage to DMV.

Insured vehicle information is used by DMV and Law Enforcement personnel and is intended to identify, sanction and ultimately remove uninsured vehicles from New York's highways.

• IIES System Information

Section 9110 of the New York State Insurance Law requires every insurance company authorized to do business in New York State to collect an annual motor vehicle law enforcement fee from each holder of a policy issued, renewed, or for delivery in this state for motor vehicle liability insurance coverage. This fee is remitted monthly by insurance companies to the Department on or before the fifteenth of the month next succeeding the month for which the return is made.

Insurance companies that wish to submit Motor Vehicle Law Enforcement Fee filings online, may do so via the DFS Portal or through the NAIC Online Premium Tax for Insurance OPTIns system.

• Learn more about Motor Vehicle Law Enforcement Fee (MVLEF) Filing

Insurance companies must submit both their data file and electronic payment through the Fire Tax Payment application on the DFS Portal. Insurance companies will use the DFS approved Fire Tax template to upload their fire tax data.

• Learn more about Fire Tax Payment and Data Submission

Offices to be Contacted with Notice of Intent to Claim Against Fire Insurance Proceeds under Insurance Law Section 331 are listed on this website.

• Superintendent's Index of Tax Districts

Section 9108 of the New York State Insurance Law requires that every insurance company authorized to do business in New York State collect, in addition to the applicable premium charge, a fire insurance fee, separately identified and charged to each policyholder, from each such holder of a policy issued in the state or for delivery in the state for coverage of peril of fire, excluding a policy for protection of household furnishings and/or policies issued to protect one or two-family residential structures, schools, churches and hospitals.

• Learn more at Fire Insurance Fee – Section 9108.

An authorized insurer may obtain a special risk license pursuant to Article 63 of the Insurance Law to write in the "Free Trade Zone. To be licensed to write in the "Free Trade Zone", the insurer must be in compliance with the requirements specified in Article 63 of the Insurance Law and Regulation 86.

• Free Trade Zone Applications, Renewals, Reports and Quarterly Filings
• List of Free Trade Zone Licensed Companies and Representatives.
• List of exposures permitted to be written in the Free Trade Zone as Class Two Risks (PDF).

Purchasing groups are required to be registered in New York in order to do business in this State. Below find a list of purchasing groups registered in New York:

• List of New York Registered Purchasing Groups

Pursuant to Regulation 195 (11 NYCRR Part 6) purchasing groups are required to make filings electronically. Registrations, and Updates must be submitted via the DFS Portal.

• Learn more about how to register and make filings online.

A Risk Retention Group is a corporation or other limited liability association formed pursuant to the federal Liability Risk Retention Act whose primary activity consists of assuming and spreading all , or any portion, of the liability exposure of its group members who are engaged in a related, similar, or common business trade, product, services, premises or operations.

• Risk Retention Groups registered in New York

Risk Retention Group Registration and updates may be submitted via the DFS Portal using the Risk Retention Group Application.

• Learn more about how to register and make filings online.