Effective January 1, 2024
SERFF Type Of Insurance SERFF Sub-Type of Insurance Description
NAIC
Annual
Statement
Line
01.0 Property
Coverage protecting the insured against loss or damage to real or personal
property from a variety of perils, includingbut not limited tofire,
lightening, business interruption, loss of rents, glass breakage, tornado,
windstorm, hail, water damage, explosion, riot, civil commotion, rain, or
damage from aircraft or vehicles.
0102.1
01.0001 Commercial Property (Fire and
Allied Lines)
Property insurance coverage sold to commercial ventures.
0102.1
01.0002 Personal Property (Fire and Allied
Lines)
Property insurance coverage sold for personal, family or household
purposes.
0102.1
02.1 Crop 02.1000 Crop - Hail Sub-TOI Combinations
Coverage protecting the insured against loss or damage to crops from a
variety of perils, including but not limited to fire, lightening, loss of revenue,
tornado, windstorm, hail, flood, rain, or damage by insects.
02.2 or 02.4
02.1001 Crop - Hail Non-Federally
Reinsured Only
Private market coverage for crop insurance and agricultural-related
protection, such as hail and fire, and is not reinsured by the FCIC.
2.4
02.1002 Crop - Hail Federally Reinsured
Only
Crop insurance coverage that is either wholly or in part reinsured by the
Federal Crop Insurance Corporation (FCIC) under the Standard
Reinsurance Agreement (SRA). This includes the following products:
Multiple Peril Crop Insurance (MPCI); Catastrophic Insurance, Crop
Revenue Coverage (CRC); Income Protection and Revenue Assurance.
2.2
02.3 Flood
Coverage protecting the insured against loss or damage to real or personal
property from flood. (Note: If coverage for flood is offered as an additional
peril on a property insurance policy, file it under the applicable property
insurance filing code.)
02.3 or 02.5
02.3001 Commercial Flood
Separate flood insurance policy sold to commercial ventures for primary
coverage.
02.3 or 02.5
02.3002 Personal Flood
Separate flood insurance policy sold for personal, family or household
purposes for primary coverage.
02.3 or 02.5
UNIFORM PROPERTY & CASUALTY PRODUCT CODING MATRIX
Page 1 of 21
Effective January 1, 2024
2.3003 Commercial Excess Flood
Separate flood insurance policy sold to commercial ventures for excess
coverage.
02.3 or 02.5
2.3004 Personal Excess Flood
Separate flood insurance policy sold for personal, family or household
purposes for excess coverage.
02.3 or 02.5
03.0 Personal Farmowners 03.0000 Personal Farmowners
Farmowners insurance sold for personal, family or household purposes.
This package policy is similar to a homeowners policy, in that it has been
developed for farms and ranches and includes both property and liability
coverage for personal and business losses. Coverage includes farm
dwellings and their contents, barns, stables, other farm structures and farm
inland marine, such as mobile equipment and livestock.
3
04.0 Homeowners
04.0000 Homeowners Sub-TOI
Combinations
A package policy combining real and personal property coverage with
personal liability coverage. Coverage applicable to the dwelling,
appurtenant structures, unscheduled personal property and additional living
expense are typical. Includes mobile homes at a fixed location.
4
04.0001 Condominium Homeowners
Homeowners insurance sold to condominium owners occupying the
described property.
4
04.0002 Mobile Homeowners
Homeowners insurance sold to owners occupying the described mobile
home.
4
04.0003 Owner Occupied Homeowners
Homeowners insurance sold to owners occupying the described property. 4
04.0004 Tenant Homeowners
Homeowners insurance sold to tenants occupying the described property. 4
04.0005 Other Homeowners
All other Homeowners insurance products. 4
05.0 CMP Liability and Non-Liability 05.0000 CMP Sub-TOI Combinations
The policy packages two or more insurance coverages protecting an
enterprise from various property and/or liability risk exposures. Frequently
includes fire, allied lines, various other coverages (e.g., difference in
conditions) and liability coverage. Such coverages would be included in
other annual statement lines, if written individually. Include under this type
of insurance multi-peril policies (other than farmowners, homeowners and
automobile policies) that include coverage for liability other than auto.
5.1,
5.2,
17
05.1 CMP Non-Liability Portion
Only
05.1000 CMP Sub-TOI Combinations
Coverage for non-liability commercial multiple peril contracts. 5.1
05.2 CMP Liability Portion Only 05.2000 CMP Sub-TOI Combinations
Coverage for liability commercial multiple peril contracts. 5.2, 17
Page 2 of 21
Effective January 1, 2024
05.0001 Builders Risk
05.1001 Builders Risk
05.2001 Builders Risk
Typically written on a reporting or completed value form, this coverage
insures against loss to buildings in the course of construction. The
coverage also includes machinery and equipment used in the course of
construction and to materials incidental to construction.
5.1
05.0002 Businessowners
05.1002 Businessowners
05.2002 Businessowners
The Businessowners (BOP) provides a broad package of property and
liability coverages for small and medium sized apartment buildings, offices,
and retail stores.
05.1—05.2
05.0003 Commercial Package
05.1003 Commercial Package
05.2003 Commercial Package
The Commercial Package Policy (CPP) provides a broad package of
property and liability coverages for commercial ventures other than those
provided insurance through a businessowners policy. (The older special
multi peril programs (SMP) also use this code.)
05.1—05.2
05.0004 Manufacturers Output
05.1004 Manufacturers Output
05.2004 Manufacturers Output
Provides broad form all risks coverage of personal property of an insured
manufacturer that is located away from the premises of the manufacturer
at the time of a claim.
5.1
05.0005 CMP E-Commerce
05.1005 CMP E-Commerce
05.2005 CMP E-Commerce
Coverage for all aspects of E-Commerce Business. 5.1
05.0006 Commercial Farm and Ranch
05.1006 Commercial Farm and Ranch
05.2006 Commercial Farm and Ranch
A commercial package policy for farming and ranching risks that includes
both property and liability coverage. Coverage includes barns, stables,
other farm structures and farm inland marine, such as mobile equipment
and livestock.
3
05.0007Other CMP
05.1007 Other CMP
05.2007 Other CMP
All other commercial multiple peril (CMP) insurance products. 05.1—05.2
06.0 Mortgage Guaranty 06.0000 MG Sub-TOI Combinations
Insurance that indemnifies a lender for loss upon foreclosure if a borrower
fails to meet required mortgage payments.
6
06.0001 Fixed Rate MG
The type of loan in which the interest rate will not change for the entire term
of the loan.
6
06.0002 Trust/Pool MG
Insure pools of loans secured by instruments constituting a first lien on real
estate and evidenced by pass-through certificates or other instruments.
6
06.0003 Variable Rate MG
The type of loan in which the interest rate may vary or float periodically
throughout the term of the loan based on an interest rate index.
6
06.0004 Other MG
All other mortgage guaranty products. 6
Page 3 of 21
Effective January 1, 2024
08.0 Ocean Marine 08.0000 Ocean Marine
Coverage for ocean and inland water transportation exposures; goods or
cargoes; ships or hulls; earnings; and liability.
8
09.0 Inland Marine
09.0000 Inland Marine Sub-TOI
Combinations
Coverage for property that may be in transit, held by a bailee, at a fixed
location, or movable goods that are often at different locations (e.g., off-
road constructions equipment), or scheduled property (e.g., Homeowners
Personal Property Floater) including items such as live animals, property
with antique or collector’s value, etc. These lines also include
instrumentalities of transportation and communication, such as bridges,
tunnels, piers, wharves, docks, pipelines, power and phone lines, and radio
and television towers. This does not include motor vehicles licensed for use
on public roads.
9
09.0001 Animal Mortality
Coverage that provides a death benefit to the owner of a policy in the event
of the death of the insured livestock.
9
09.0002 Difference in Conditions (DIC)
DIC is a special form of open-peril coverage written in conjunction with
basic fire coverage and designed to provide protection against losses not
reimbursed under the standard fire forms.
5
09.0003 Electronic Data Processing (EDP)
Coverage to protect against losses arising out of damage to or destruction
of electronic data processing equipment and its software.
9
09.0004 Pet Insurance Plans
Veterinary care plan insurance policy providing care for a pet animal (e.g.,
dog or cat) of the insured owner in the event of its illness or accident.
9
09.0005 Other Commercial Inland Marine
All other inland marine coverage that is sold to commercial ventures,
including coverage on property rented/leased by the named insured to
others. (Also see 28.2003)
9
09.0006 Other Personal Inland Marine
All other inland marine coverage that is sold for personal, family or
household purposes.
9
9.0007 Communication Equipment (Cellular
Telephones)
Provides insured subscribers of Communications Equipment Service
Provider replacement coverage for loss of and damage, theft or
mechanical breakdown to communications equipment. Communications
equipment means wireless telephones and pagers, and any other devices
incorporating wireless phone and pager capabilities, including but not
limited to personal digital assistants (PDA) and wireless aircards.
9
Page 4 of 21
Effective January 1, 2024
9.0008 Event Cancellation
Coverage for financial loss because of the cancellation or postponement of
a specific event due to weather or other unexpected cause beyond the
control of the insured.
9
9.0009 Travel Coverage
Covers financial loss due to trip cancellation/interruption; lost or damaged
baggage; trip or baggage delays; missed connections and/or changes in
itinerary; and casualty losses due to rental vehicle damage.
9
9.0010 Boatowners/Personal Watercraft
Covers damage to pleasure boats, motors, trailers, boating equipment and
personal watercraft as well as bodily injury and property damage liability to
others.
9
10.0 Financial Guaranty 10.0000 Financial Guaranty
A surety bond, insurance policy, or an indemnity contract (when issued by
an insurer), or similar guaranty types under which loss is payable upon
proof of occurrence of financial loss to an insured claimant, obligee or
indemnitee as a result of failure to perform a financial obligation or any
other permissible product that is defined as or determined to be financial
guaranty insurance.
10
11.0 Med Mal - Claims Made and
Occurrence
11.0000 Med Mal Sub-TOI Combinations
Insurance coverage protecting a licensed health care provider or health
care facility against legal liability resulting from the death or injury of any
person due to the insured’s misconduct, negligence, or incompetence, in
rendering or failure to render professional services.
11
11.1 Med Mal - Occurrence Only 11.1000 Med Mal Sub-TOI Combinations
These policies cover insured events that occur within the effective dates of
the policy regardless of when they are reported to the reporting entity.
11.1
11.2 Med Mal - Claims Made Only 11.2000 Med Mal Sub-TOI Combinations
These policies cover insured events that are reported (as defined in the
policy) within the effective dates of the policy, subject to retroactive dates
and extended reporting periods when applicable.
11.2
11.0001 Acupuncture
11.1001 Acupuncture
11.2001 Acupuncture
Medical malpractice for acupuncture procedures. 11
11.0002 Ambulance Services
11.1002 Ambulance Services
11.2002 Ambulance Services
Medical malpractice for an ambulance service. 11
11.0003 Chiropractic
11.1003 Chiropractic
11.2003 Chiropractic
Medical malpractice for a chiropractor. 11
Page 5 of 21
Effective January 1, 2024
11.0004 Community Health Centers
11.1004 Community Health Centers
11.2004 Community Health Centers
Medical malpractice for a community health center. 11
11.0005 Dental Hygienists
11.1005 Dental Hygienists
11.2005 Dental Hygienists
Medical malpractice for a dental hygienist. 11
11.0006 Dentists - General Practice
11.1006 Dentists - General Practice
11.2006 Dentists - General Practice
Medical malpractice for a general practice dentist. 11
11.0007 Dentists - Oral Surgeons
11.1007 Dentists - Oral Surgeons
11.2007 Dentists - Oral Surgeons
Medical malpractice for an oral surgeon dentist. 11
11.0008 Home Care Service Agencies
11.1008 Home Care Service Agencies
11.2008 Home Care Service Agencies
Medical malpractice for a home care service agency. 11
11.0009 Hospitals
11.1009 Hospitals
11.2009 Hospitals
Medical malpractice for a hospital. 11
11.0010 Nurse - Anesthetists
11.1010 Nurse - Anesthetists
11.2010 Nurse - Anesthetists
Medical malpractice for a nurse anesthetist. 11
11.0011 Nurse - Licensed Practical
11.1011 Nurse - Licensed Practical
11.2011 Nurse - Licensed Practical
Medical malpractice for a licensed practical nurse. 11
11.0012 Nurse - Midwife
11.1012 Nurse - Midwife
11.2012 Nurse - Midwife
Medical malpractice for a nurse midwife. 11
11.0013 Nurse - Practitioners
11.1013 Nurse - Practitioners
11.2013 Nurse - Practitioners
Medical malpractice for a nurse practitioner. 11
11.0014 Nurse - Private Duty
11.1014 Nurse - Private Duty
11.2014 Nurse - Private Duty
Medical malpractice for a private duty nurse. 11
Page 6 of 21
Effective January 1, 2024
11.0015 Nurse - Registered
11.1015 Nurse - Registered
11.2015 Nurse - Registered
Medical malpractice for a registered nurse. 11
11.0016 Nursing Homes
11.1016 Nursing Homes
11.2016 Nursing Homes
Medical malpractice for a nursing home. 11
11.0017 Occupational Therapy
11.1017 Occupational Therapy
11.2017 Occupational Therapy
Medical malpractice for an occupational therapist. 11
11.0018 Ophthalmic Dispensing
11.1018 Ophthalmic Dispensing
11.2018 Ophthalmic Dispensing
Medical malpractice for ophthalmic dispensing. 11
11.0019 Optometry
11.1019 Optometry
11.2019 Optometry
Medical malpractice for an optometrist. 11
11.0020 Osteopathy
11.1020 Osteopathy
11.2020 Osteopathy
Medical malpractice for an osteopathic physician. 11
11.0021 Pharmacy
11.1021 Pharmacy
11.2021 Pharmacy
Medical malpractice for a pharmacist. 11
11.0022 Physical Therapy
11.1022 Physical Therapy
11.2022 Physical Therapy
Medical malpractice for a physical therapist. 11
11.0023 Physicians & Surgeons
11.1023 Physicians & Surgeons
11.2023 Physicians & Surgeons
Medical malpractice for a physician or surgeon. 11
11.0024 Physicians Assistants
11.1024 Physicians Assistants
11.2024 Physicians Assistants
Medical malpractice for a physicians’ assistant. 11
11.0025 Podiatry
11.1025 Podiatry
11.2025 Podiatry
Medical Malpractice for a podiatrist. 11
Page 7 of 21
Effective January 1, 2024
11.0026 Psychiatry
11.1026 Psychiatry
11.2026 Psychiatry
Medical malpractice for a psychiatrist. 11
11.0027 Psychology
11.1027 Psychology
11.2027 Psychology
Medical malpractice for a psychologist. 11
11.0028 Speech Pathology
11.1028 Speech Pathology
11.2028 Speech Pathology
Medical malpractice for a speech pathologist. 11
11.0029 Other
11.1029 Other
11.2029 Other
Medical malpractice not specifically described above. 11
11.0030 Dentist
11.1030 Dentist
11.2030 Dentist
Medical malpractice for a dentist. 11
11.0031 Anesthetist
11.1031 Anesthetist
11.2031 Anesthetist
Medical malpractice for an anesthetist. 11
11.0032 Professional Nurses
11.1032 Professional Nurses
11.2032 Professional Nurses
Medical malpractice for any professional nurse. 11
11.0033 Assisted Living Facility
11.1033 Assisted Living Facility
11.2033 Assisted Living Facility
Medical malpractice for an assisted living facility. 11
12.0 Earthquake
Property coverage for losses resulting from a sudden trembling or shaking
of the earth, including that caused by volcanic eruption.
12
12.0001 Commercial Earthquake
Earthquake property coverage for commercial ventures. 12
12.0002 Personal Earthquake
Earthquake property coverage for personal, family or household purposes. 12
16.0 Workers Compensation 16.0000 WC Sub-TOI Combinations
Insurance that covers an employer’s liability for injuries, disability or death
to persons in their employment, without regard to fault, as prescribed by
state or federal workers’ compensation laws and other statutes. Includes
employer’s liability coverage.
16
Page 8 of 21
Effective January 1, 2024
16.0001 Alternative WC
Other than standard workers’ compensation coverage, employer’s liability
and excess workers’ compensation (e.g., large deductible, managed care).
16
16.0002 Employers Liability WC
Employers’ liability coverage for the legal liability of employers arising out of
injuries to employees. This code should be used when coverage is issued
as an endorsement, or as part of a statutory workers’ compensation policy.
When coverage is issued as a stand-alone policy, or as an endorsement a
package policy, the appropriate “Other Liability” code should be used (i.e.,
17.0009, 17.1009, or 17.2009).
16
16.0003 Excess WC
Either specific and/or aggregate excess workers’ compensation insurance
written above an attachment point or self-insured retention.
17
16.0004 Standard WC
Insurance that covers an employer’s liability for injuries, disability or death
to persons in their employment, without regard to fault, as prescribed by
state or federal workers’ compensation laws and includes within the basic
policy employer’s liability coverage.
16
16.0005 Occupational Accident WC
Insurance that covers occupational accident to include comparable
workers' compensation.
16
17.0 Other Liability - Occ/Claims
Made
17.0000 Other Liability Sub-TOI
Combinations
Coverage protecting the insured against legal liability resulting from
negligence, carelessness, or a failure to act resulting in property damage or
personal injury to others.
17
17.1 Other Liability - Occ Only
17.1000 Other Liability Sub-TOI
Combinations
These policies cover insured events that occur within the effective dates of
the policy regardless of when they are reported to the reporting entity.
17.1
17.2 Other Liability - Claims Made
Only
17.2000 Other Liability Sub-TOI
Combinations
These policies cover insured events that are reported (as defined in the
policy) within the effective dates of the policy, subject to retroactive dates
and extended reporting periods when applicable.
17.2
17.0001 Commercial General Liability
17.1001 Commercial General Liability
17.2001 Commercial General Liability
Flexible & broad commercial liability coverage with two major sub-lines:
premises/operations sub-line and products/completed operations sub-line.
For general professional liability see 17.0019.
17
17.0002 Completed Operations
17.1002 Completed Operations
17.2002 Completed Operations
Policies provided to contractors covering liability to persons who have
incurred bodily injury or property damage from defective work or operations
completed or abandoned by or for the insured, away from the insured’s
premises.
17
Page 9 of 21
Effective January 1, 2024
17.0003 Comprehensive Personal Liability
17.1003 Comprehensive Personal Liability
17.2003 Comprehensive Personal Liability
Comprehensive liability coverage for exposures arising out of the residence
premises and activities of individuals and family members. (Non-business
liability exposure protection for individuals.)
17
17.0004 Contractual Liability
17.1004 Contractual Liability
17.2004 Contractual Liability
Liability coverage of an insured who has assumed the legal liability of
another party by written or oral contract. Incudes a contractual liability
policy providing coverage for all obligations and liability incurred by a
service contract or other contract provider under the terms of contracts
issued by the provider.
17
17.0005 Day Care Centers
17.1005 Day Care Centers
17.2005 Day Care Centers
Liability coverage for day care centers. 17
17.0006 Directors & Officers Liability
17.1006 Directors & Officers Liability
17.2006 Directors & Officers Liability
Liability coverage protecting directors or officers of a corporation from
liability arising out of the performance of their professional duties on behalf
of the corporation.
17
17.0007 Elevators and Escalators Liability
17.1007 Elevators and Escalators Liability
17.2007 Elevators and Escalators Liability
Liability coverage for bodily injury or property damage arising from the use
of elevators or escalators operated, maintained or controlled by the
insured.
17
17.0008 Employee Benefit Liability
17.1008 Employee Benefit Liability
17.2008 Employee Benefit Liability
Liability protection for an employer for claims arising from provisions in an
employee benefit insurance plan provided for the economic and social
welfare of employees. Examples of items covered are pension plans, group
life insurance, group health insurance, group disability income insurance,
and accidental death and dismemberment. For fiduciary liability see
17.0029.
17
17.0009 Employers Liability
17.1009 Employers Liability
17.2009 Employers Liability
Employers’ liability coverage for the legal liability of employers arising out of
injuries to employees. This code should be used when coverage is issued
as a stand-alone policy, or as an endorsement to a package policy. When
this coverage is issued as an endorsement to a statutory workers’
compensation policy, the appropriate “Workers’ Compensation” code
should be used (i.e., Code 16.0002).
17
Page 10 of 21
Effective January 1, 2024
17.0010 Employment Practices Liability
17.1010 Employment Practices Liability
17.2010 Employment Practices Liability
Liability protection for an employer providing personal injury coverage
arising out of employment-related practices, personnel policies, acts, or
omissions. Examples of claims such policies respond to are refusal to
employ, termination, coercion, demotion, evaluation, reassignment,
discipline, defamation, harassment, humiliation, and discrimination.
17
17.0011 Environmental Pollution Liability
17.1011 Environmental Pollution Liability
17.2011 Environmental Pollution Liability
Liability coverage of an insured to persons who have incurred bodily injury
or property damage from acids, fumes, smoke, toxic chemicals, waste
materials or other pollutants.
17
17.0012 Fire Legal Liability
17.1012 Fire Legal Liability
17.2012 Fire Legal Liability
Coverage for property loss liability as the result of separate negligent acts
and/or omissions of the insured that allows a spreading fire to cause bodily
injury or property damage of others. An example is a tenant who, while
occupying another party’s property, through negligence causes fire damage
to the property.
17
17.0013 Kidnap & Ransom Liability
17.1013 Kidnap & Ransom Liability
17.2013 Kidnap & Ransom Liability
Liability coverage up to specific limits for payments demanded by
kidnappers for the release of an insured held against his or her will.
26
17.0014 Liquor Liability
17.1014 Liquor Liability
17.2014 Liquor Liability
Coverage for the liability of an entity involved in the retail or wholesale
sales of alcoholic beverages, or the serving of alcoholic beverages, to
persons who have incurred bodily injury or property damage arising from
an intoxicated person.
17
17.0015 Municipal Liability
17.1015 Municipal Liability
17.2015 Municipal Liability
Liability coverage for the acts of a municipality. 17
17.0016 Nuclear Energy Liability
17.1016 Nuclear Energy Liability
17.2016 Nuclear Energy Liability
Coverage for bodily injury and property damage liability resulting from the
nuclear energy material (whether or not radioactive) on the insured
business’s premises or in transit.
17
17.0017 Personal Injury Liability
17.1017 Personal Injury Liability
17.2017 Personal Injury Liability
Coverage for the liability of an insured for injury to persons, other than
bodily injury. Examples include discrimination, falsely arrest, illegal
detainment, libel, malicious prosecution, slander, suffering mental anguish,
and violation of privacy rights.
17
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Effective January 1, 2024
17.0018 Premises and Operations (OL&T
and M&C)
17.1018 Premises and Operations (OL&T
and M&C)
17.2018 Premises and Operations (OL&T
and M&C)
Policies covering the liability of an insured to persons who have incurred
bodily injury or property damage on an insured’s premises during normal
operations or routine maintenance, or from an insured’s business
operations either on or off of the insured’s premises.
17
17.0019 Professional Errors and Omissions
Liability
17.1019 Professional Errors and Omissions
Liability
17.2019 Professional Errors and Omissions
Liability
Coverage available to pay for liability arising out of the performance of
professional or business related duties, with coverage being tailored to the
needs of the specific profession. Examples include abstracters,
accountants, insurance adjusters, architects, engineers, insurance agents
and brokers, lawyers, real estate agents, stockbrokers.
17
17.0020 Commercial Umbrella and Excess
17.1020 Commercial Umbrella and Excess
17.2020 Commercial Umbrella and Excess
Coverage for the liability of a commercial venture above a specific amount
set forth in a basic policy issued by the primary insurer; or a self-insurer for
losses over a stated amount; or an insured or self-insurer for known or
unknown gaps in basic coverages or self-insured retentions. Note: Does
not include excess workers’ compensation insurance. Does include excess
directors and officers and excess errors and omissions products.
17
17.0021 Personal Umbrella and Excess
17.1021 Personal Umbrella and Excess
17.2021 Personal Umbrella and Excess
Non-business liability protection for individuals above a specific amount set
forth in a basic policy issued by the primary insurer; or a self-insurer for
losses over a stated amount; or an insured or self-insurer for known or
unknown gaps in basic coverages or self-insured retentions.
17
17.0022 Other
17.1022 Other
17.2022 Other
Other Liability not specifically described above. 17
17.0023 Veterinarian
17.1023 Veterinarian
17.2023 Veterinarian
Liability coverage for the acts of a veterinarian. 17
17.0024 Internet Liability
17.1024 Internet Liability
17.2024 Internet Liability
Liability arising out of claims for wrongful acts related to the content posted
on a website by the insured or the insured’s failure to maintain the security
of its computer systems.
17
Page 12 of 21
Effective January 1, 2024
17.0025 Provider Excess Stop Loss
17.1025 Provider Excess Stop Loss
17.2025 Provider Excess Stop Loss
An insurance policy that provides excess coverage to a health care
provider from catastrophic patient losses or adverse cash flow, including,
but not limited to, shortfalls from capitated payment agreements. A provider
may be, but is not limited to, a physician, hospital, group medical practice,
nurse, nursing home, or a pharmacy.
13 & 15
17.0026 Excess Stop Loss
17.1026 Excess Stop Loss
17.2026 Excess Stop Loss
Insurance coverage extended to a self-insured employer plan to insure
against the risk that any one claim will exceed a specific dollar amount or
that an entire plan’s losses will exceed a specific amount. For provider
excess stop loss, use 17.0025. For any other excess stop loss, use
17.0027. Does not include stop-gap/employer’s liability insurance.
13 & 15
17.0027 Other Excess Stop Loss
17.1027 Other Excess Stop Loss
17.2027 Other Excess Stop Loss
Insurance coverage extended to a health plan to insure against the risk that
any one claim will exceed a specific dollar amount or that an entire plan’s
losses will exceed a specific amount. For provider excess stop loss, use
17.0025. For self-insured employer plan excess stop loss, use 17.0026.
Does not include stop-gap/employer’s liability insurance.
13 & 15
17.0028 Cyber Liability
17.1028 Cyber Liability
17.2028 Cyber Liability
Stand-alone comprehensive coverage for liability arising out of claims
related to unauthorized access to or use of personally identifiable or
sensitive information due to events including but not limited to viruses,
malicious attacks or system errors or omissions. This coverage could also
include expense coverage for business interruption, breach management
and/or mitigation services. When cyber liability is provided as an
endorsement or as part of a multi-peril policy, as opposed to a stand-alone
policy, use the appropriate Sub-TOI of the product to which the coverage
will be attached.
17
Page 13 of 21
Effective January 1, 2024
17.0029 Fiduciary Liability
17.1029 Fiduciary Liability
17.2029 Fiduciary Liability
This type of insurance provides protection for fiduciaries against legal
liability for claims made against them for a wrongful act (defined as a
breach of fiduciary duty imposed by ERISA or similar common or statutory
law). It’ll respond to claims for damages arising out of improper
investments, plan and employee advice, insufficient funding and failure of
an insurer to perform.
Examples include failure to invest plan assets prudently or failure to select
a qualified service provider for a covered plan. Some fiduciary liability
policies may also provide coverage for negligent acts, as well as errors or
omissions in the administration of employee benefit plans.
17
18.0 Product Liability 18.0000 Product Liab - Occ/Claims Made
Coverage for losses or injuries caused by defect or malfunction of the
product.
18
18.0001 Product Liab - Occurrence Only
These policies cover insured events that occur within the effective dates of
the policy regardless of when they are reported to the reporting entity.
18.1
18.0002 Product Liab - Claims Made Only
These policies cover insured events that are reported (as defined in the
policy) within the effective dates of the policy, subject to retroactive dates
and extended reporting periods when applicable.
18.2
19.0 Personal Auto 19.0000 Personal Auto Combinations
Privately owned motor vehicles and trailersfor use on public roadsnot
owned or used for commercial purposes. This includes Personal Auto
Combinations of Private Passenger Auto, Motorcycle, Financial
Responsibility Bonds, Recreational Vehicles and/or Other Personal Auto.
19.1,
19.2,
21.1
19.0001 Private Passenger Auto (PPA)
PPA filings that include singularly or in any combination coverage such as
the following: Auto Liability, Personal Injury Protection (PIP), Medical
Payments (MP), Uninsured/Underinsured (UM/UIM); Specified Causes of
Loss, Comprehensive, and Collision.
19.1,
19.2,
21.1
19.0002 Motorcycle
Motorcycle filings that include singularly or in any combination coverage
such as in the following: Motorcycle Liability, PIP, MP, UM/UIM, Specified
Causes of Loss, Comprehensive, and Collision.
19.1,
19.2,
21.1
19.0003 Recreational Vehicle (RV)
RV filings (including filings for Golf Carts) which include singularly or in any
combination coverage such as the following: Auto Liability, PIP, MP,
Uninsured Motorist and/or Underinsured Motorists (UM/UIM); Specified
Causes of loss, Comprehensive, and Collision.
19.1,
19.2,
21.1
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Effective January 1, 2024
19.0004 Other
A catchall code for other than the previously presented auto coding used
for Personal Auto.
19.1,
19.2,
21.1
20.0 Commercial Auto 20.0000 Commercial Auto Combinations
Coverage for motor vehicles owned by a business engaged in commerce
that protects the insured against financial loss because of legal liability for
motor vehicle related injuries, or damage to the property of others caused
by accidents arising out of the ownership, maintenance, use, or care-
custody & control of a motor vehicle. This includes Commercial Auto
Combinations of Business Auto, Garage, Truckers and/or Other
Commercial Auto.
19.3,
19.4,
21.2
20.0001 Business Auto
Coverage for motor vehicles, other than those in the garage business,
engaged in commerce. Business Auto filings include singularly or in any
combination coverage such as the following: Auto Liability, PIP, MP,
Uninsured Motorist and/or Underinsured Motorists (UM/UIM); Specified
Causes of Loss, Comprehensive, and Collision.
19.3,
19.4,
21.2
20.0002 Garage
Garage auto filings pertaining to auto dealers and to auto non-dealers (auto
repair shops, auto service stations, parking garages, and similar risks).
Garage filings include singularly or in any combination coverage such as
the following: Garage Liability, Garagekeepers Legal Liability, PIP, MP,
UM/UIM; Specified Causes of Loss, Comprehensive, and Collision.
19.3,
19.4,
21.2
20.0003 Other
A catchall code for other than the previously presented automobile coding
used for Commercial Auto.
19.3,
19.4,
21.2
20.0004 Truckers
Coverage for persons or organizations engaged in the business of
transporting property by auto for hire, including coverage of the specialized
liability exposure created by trailer interchange agreements.
19.3,
19.4,
21.2
21.4 Mobile Homes under
Transport
21.0004 Mobile Homes under Transport
Mobile Homes while under transport for personal or commercial use.
21.1,
21.2
22.0 Aircraft 22.0000 Aircraft
Coverage for aircraft (hull) and their contents; aircraft owners’ and aircraft
manufacturers liability to passengers, airports and other third parties.
22
23.0 Fidelity 23.0000 Fidelity
A bond or policy covering an employer’s loss resulting from an employee’s
dishonest act (e.g., loss of cash, securities, valuables, etc.)
23
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Effective January 1, 2024
23.0/24.0 Fidelity and Surety 23.0000/24.0000 Fidelity and Surety
See Fidelity and Surety Above
24.0 Surety 24.0000 Surety
A three-party agreement where the insurer agrees to pay a second party
(the obligee) or make complete an obligation in response to the default,
acts, or omissions of a third party (the principal or obligor).
24
26.0 Burglary and Theft
Coverage for property taken or destroyed by break-in and entering the
insured’s premises; burglary or theft; forgery or counterfeiting; fraud; and
off-premises exposure. Includes Fidelity and Surety coverage written as
part of a Crime and Fidelity program.
26
26.0001 Commercial Burglary and Theft
Burglary and theft coverage for commercial enterprises. 26
26.0002 Personal Burglary and Theft
Burglary and theft coverage for personal or household risks. 26
27.0 Boiler & Machinery or
Equipment Breakdown
27.0000 Boiler & Machinery or Equipment
Breakdown
Coverage for the failure of boilers, machinery and other electrical
equipment. Benefits include (i) property of the insured, which has been
directly damaged by the accident; (ii) costs of temporary repairs and
expediting expenses; and (iii) liability for damage to the property of others.
Coverage also includes inspection of the equipment.
27
28.1 Credit - Credit Default 28.1000 Credit - Credit Default
Coverage purchased by manufacturers, merchants, educational
institutions, or other providers of goods and services extending credit, for
indemnification of losses or damages resulting from the nonpayment of
debts owed to them for goods or services provided in the normal course of
their business.
28
28.2 Credit - Personal Property
This section is for use where credit personal property is handled by the
property and casualty section of the state insurance department. Under
Code 28.2001 through Code 28.2003 credit insurance may be either
“single interest” or “dual interest”. Single interest means insurance that
protects only the creditor’s/lessor’s interest in the collateral securing a
debtor’s/lessee’s credit transaction. Dual interest (also commonly referred
to as “limited dual interest”) means insurance that protects the
creditor’s/lessor’s and the debtor’s/lessee’s interest in the collateral
securing the debtor’s/lessee’s credit/lease transaction.
28
28.2001 Creditor - Placed Home
Single interest or dual interest credit insurance purchased unilaterally by
the creditor, who is the named insured, subsequent to the date of the credit
transaction, providing coverage against loss to property that would either
impair a creditor’s interest or adversely affect the value of collateral on
homes, mobile homes, and other real estate.
28*
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Effective January 1, 2024
28.2002 Creditor - Placed Auto
Single interest or dual interest credit insurance that is purchased
unilaterally by the creditor/lessor, who is the named insured, subsequent to
the date of the credit/lease transaction, providing coverage against loss to
property that would either impair a creditor’s/lessor’s interest or adversely
affect the value of collateral on automobiles, boats, or other vehicles.
28*
28.2003 Personal Property
Single interest or dual interest credit insurance (where collateral is not a
motor vehicle, mobile home, or real estate) that covers perils to goods
purchased or used as collateral and that concerns a creditor’s/lessor’s
interest in the purchased/leased goods or pledged collateral either in whole
or in part; or covers perils to goods purchased/leased in connection with an
open-end credit/lease transaction.( Also see 9.0005)
28*
28.2004 Credit Involuntary Unemployment
Credit insurance that provides a monthly or lump sum benefit during an
unpaid leave of absence from employment resulting from specified causes,
such as layoff, business closure, strike, illness of a close relative and
adoption or birth of a child. This insurance is sometimes referred to as
Credit Family Leave.
28
28.2005 Personal GAP Insurance
Insurance that insures the excess of the outstanding indebtedness over the
primary property insurance benefits in the event of a total loss to a
collateral asset.
28*
28.2006 Other
Not specifically described above. 28
28.3 Credit - Commercial Property 28.3000 Credit - Commercial Property
Single or dual interest insurance purchased unilaterally by the creditor, who
is the named insured, subsequent to the credit transaction, providing loss
to property that would either impair a creditor’s interest or adversely affect
the value of collateral on commercial property
28*
30.0 Homeowner/ Auto
Combinations
30.0000 Homeowner/Auto Combinations
A special form of package policy composed of personal automobile and
homeowners insurance.
None
30.1 Dwelling Fire/Personal Liability 30.1000 Dwelling Fire/Personal Liability
A special form of package policy composed of dwelling fire and/or allied
lines, and personal liability insurance.
None
33.0 Other Lines of Business
Coverage not described under previous Lines of Insurance. 34
33.0001 Other Personal Lines
Coverage not described under previous Types or Sub-types of Insurance. 34
Page 17 of 21
Effective January 1, 2024
33.0002 Other Commercial Lines
Coverage not described under previous Types or Sub-types of Insurance. 34
33.0003 Mechanical Breakdown Insurance
An insurance policy , issued by an insurance company, which provides
repair or replacement serviceor indemnification for that servicefor the
operational or structural failure of property due to defects in materials or
workmanship, or normal wear and tear. (May cover motor vehicles, mobile
equipment, boats, appliances, electronics, residential structures, etc.)
30
33.0004 Service Contract
A contract or agreement given for consideration over and above the
purchase or lease price of the covered property and that undertakes to
perform or provide repair or replacement service, or reimbursement for that
service, for the operational or structural failure of covered property due to
defect in materials or workmanship or normal wear and tear, but does not
include mechanical breakdown insurance. (See 17.0004 for contractual
liability insurance issued to reimburse service contract providers for
liabilities assumed under service contracts.)
30
33.0005 Other Contracts
A contract or agreement regulated by the department of insurance (DOI)
and required to be submitted to the state in which the contract is delivered
which does not fall under 33.0004 Service Contracts. Such contracts,
include, but are not limited to, motor vehicle ancillary product protection
contracts , such as glass repair or paint-less dent removal, tire and wheel
road hazard or motor vehicle protection products, such as window etching.
Note: See 17.0004 for contractual liability insurance issued to reimburse
the contract provider for liability assumed under these contracts.
34 or None
33.0006 Tuition Reimbursement Plans
Product which reimburses for the tuition expenses of students who drop
out, are expelled, leave for medical reasons, etc.
34.0 Title 34.0000 Title
Coverage that guarantees the validity of a title to real and personal
property. Buyers of real and personal property and mortgage lenders rely
upon the coverage to protect them against losses from undiscovered
defects in existence when the policy is issued.
None
Page 18 of 21
Effective January 1, 2024
35.0 Interline Filings
35.0000 Personal/Commercial Interline
Filings
A Personal and Commercial filing consisting of one or more forms,
classification or territories that applies to more than one type of insurance
(e.g., cancellation provisions; declarations page; payment plan rule).
None
35.0001 Personal Interline Filings
A Personal filing consisting of one or more forms, classification or
territories that applies to more than one type of insurance (e.g.,
cancellation provisions; declarations page; payment plan rule).
None
35.0002 Commercial Interline Filings
A Commercial filing consisting of one or more forms, classification or
territories that applies to more than one type of insurance (e.g.,
cancellation provisions; declarations page; payment plan rule).
None
Since the first digit following the decimal for 11.2000 is the number 2, that number may be dropped down in lieu of the 0 for the first decimal in the acupuncture sub-code.
This would therefore change the acupuncture sub-code from 11.001 to 11.2001
, which would effectively designate its coverage as that of claims made acupuncture.
The claims made sub-code in the example is 11.2000. The acupuncture sub-code without designating whether it is occurrence or claims made is 11.0001.
The filing for claims made acupuncture coverage (located in the Type of Insurance for Medical Malpractice), as correctly entered under Sub-Type of Insurance of the
transmittal document.
**Filing codes for Sub-Type of Insurance with sub-codes that denote a 1 or 2 immediately following the decimal point are to be used to clarify a coverage sub-
code so that only one sub-code number is needed to file for a particular coverage, rather than two. An example, to correctly represent on the Uniform
Property & Casualty Transmittal Document, is as follows:
Placing Code 11.0000 (Medical Malpractice) under Type of Insurance on the transmittal document would denote the filing of all its sub-codes listed. If all of the sub-codes
represent occurrence coverage, then it is necessary to list the code 11.1000 (Occurrence) as a second code under Type of Insurance. If all of the sub-codes represent
claims made coverage, then it is necessary to list the code 11.2000 (Claims Made) as a second code under Type of Insurance. If the sub-codes under Code 11.000 vary
between occurrence and claims made coverage, then it will be necessary to list each sub-code as either occurrence or claims made by denoting a 1 or 2 immediately
following the sub-codes decimal point as explained in the following example.
*Filing codes for Type of Insurance that have all zeros after the decimal point include all listed sub-codes (if any), when this Type of Insurance code is listed
under Type of Insurance in the filing transmittal document. An example, to correctly represent on the Uniform Property & Casualty Transmittal Document, is
as follows:
Page 19 of 21
Effective January 1, 2024
Personal GAP (Guaranteed Asset Protection) Insurance
Credit insurance is generally issued in connection with the issuance of credit to an individual by a bank, retailer, finance company or other similar organization and
protects the organization for the unpaid balance of the loan and frequently for durations of less than 120 months. (Taken from SSAP No. 59, Credit Life and Accident
and Health Contracts.)
28*
Coverage purchased by consumers, manufacturers, merchants, educational institutions or other providers of goods and services extending credit, for indemnification of
losses or damages resulting from the nonpayment of debts owed to/from them for goods or services provided in the normal course of their business.
Because auto filings are either Private Passenger Auto or Commercial Auto and because most contain both liability and physical damage exposures, the codes for Private
Passenger Auto and Commercial Auto have been added to the table to accommodate these filings in SERFF. Hint:
The first digit after the decimal designates Private
Passenger (.1) or Commercial (.2). The last (fourth) digit after the decimal designates No-Fault/PIP (.X001) or Liability (.X0002).
When a filing contains more than one of the identified Sub-Types of Insurance, use the appropriate .0000 "Combinations" code. Example 1: If a Homeowners filing
includes both 4.0003 Owner Occupied Homeowners and 4.0004 Tenant Homeowners, use 4.0000 Homeowners Sub-TOI Combinations as the SERFF Sub-Type of
Insurance. Example 2: If a Medical Malpractice filing includes both occurrence and claims made coverage for Acupuncture, use code 11.0001. If it includes only claims
made coverage but for Acupuncture, Chiropractic and Optometry, use code 11.2000.
SERFF Notes: SERFF limits each filing to a single Type of Insurance (TOI) and Sub-Type of Insurance (Sub-TOI).
The same procedure is applicable to sub-codes where other double-asterisks appear, such as the following: Sub-codes 5.1000 (Non-Liability Portion for the Commercial
Multiple Peril Type of Insurance) and 5.2000 (Liability Portion for the Commercial Multiple Peril Type of Insurance); 17.1000 (Occurrence for the Other Liability Type of
Insurance) and 17.2000 (Claims Made for the Other Liability Type of Insurance).
Credit insurance that insures the excess of the outstanding indebtedness over the primary property insurance benefits in the event of a total loss to a collateral asset.
*States may require annual statement to be completed differently from the recommendation.
Credit insurance that provides a monthly or lump sum benefit during an unpaid leave of absence from employment resulting from specified causes, such as layoff,
business closure, strike, illness of a close relative and adoption or birth of a child. This insurance is sometimes referred to as Credit Family Leave.
Include all types of business that are “force-placed” or “lender-placed” in the same pre defined lines of business as business placed by borrower or creditor for the
same coverage.
Force-Placed Business:
Credit Involuntary Unemployment
Page 20 of 21
Effective January 1, 2024
Force-placed (also known as lender-placed and creditor-placed insurance) is insurance that is placed by the lender subsequent to the date of the credit transaction,
providing coverage against loss, expense or damage to collateralized property as a result of fire, theft, collision or other risks of loss that would either impair a
creditor’s interest or adversely affect the value of collateral covered by limited dual-interest insurance. It is purchased by the lender according to the terms of the
credit agreement as a result of the borrower’s failure to provide required insurance, with the cost of the coverage being charged to the borrower. It may be either
single-interest insurance or limited dual-interest insurance.
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