| State |
Rates |
Forms |
Cancellation
Non-Renewal cites |
| AL |
Ocean marine exempt: §27-13-21 and §27-13-22 |
Wet marine and transportation insurance exempt: §27-14-2 |
No provisions |
| AK |
Ocean marine exempt: §21.39.020 |
Wet marine and transportation insurance exempt: §21.42.010 |
No exemption: §21.36.
210, §21.36.220, §21.36.240; personal insurance has more
stringent requirements |
| AZ |
Ocean marine exempt: §§20-342(5), 20-382(3) and 20-400(7) |
Ocean marine and foreign trade insurance exempt: §20-1101 |
Wet marine exempt: §20-1671(8);
homeowners' policies covering watercraft
and marine policies
covering the legal liability
of a natural person not exempt: §20-1651
through §1656 |
| AR |
Ocean marine exempt: §23-67-203(4) |
Wet marine and foreign trade insurance exempt: §23-79-102 |
No exemption: §23-66-206(II)(A); See
Ins. Dept. directive, 1/7/
85, announcing guidelines |
| CA |
Ocean marine exempt, but pleasure craft 26 ft. or less in length treated
as inland marine and rates must be filed: §1851(c); §1036; and Directive 5/9/95 |
No form filing requirement applicable to ocean marine. |
Ocean marine exempt:
§675.5 |
| CO |
No express ocean marine exemptions: §10-4-401 |
No form filing requirement applicable to ocean marine. (§10-1-114
repealed in 1963.) |
Provisions not applicable
to wet marine; inland
marine is also exempt: §10-4-109.7 and
§10-4-110 |
| CT |
Ocean marine exempt: §38a-664(4) |
Ocean marine exempt: §38a-664(4) |
Ocean marine exempt from non-renewal
requirements: §38a-664(4) and §38a-
323 but not from cancellation requirements (§38a-
324) |
| DE |
Ocean marine exempt: 18 §2502(b)(2) |
Wet marine and foreign trade insurance exempt: Title 18 §2701(3) |
Wet marine insurance
exempt: §4120 |
| D.C. |
Ocean marine exempt: § 31- 2702(1) |
Ocean marine may be exempt as commercial risk: § 31-2714 |
Marine insurance exempt: §627.4133(1)(a) and (b) |
| FL |
Ocean marine exempt, but small boats are treated as inland marine and
rates must filed: §627.021(2)(c) and Rule 4-167-024 |
Wet marine and transportation insurance exempt: §627.401(3) |
Marine insurance exempt: §627.4133(1)(a) and (b);
also applies to yachts and small boats |
| GA |
Ocean marine exempt: §33-9-3(a)(4) |
Ocean marine and foreign trade insurance exempt: §33-24-2(3) |
Ocean marine exempt: §33-24-2 |
| HI |
Ocean marine exempt: §431:14-102(a) and (b)(4) |
Ocean marine exempt from
§431:10-201, 210 |
Ocean Marine exempt:
§431:10-201 |
| ID |
Ocean marine exempt: §41-1401(3)(b) |
Wet marine and transportation insurance exempt: §41-1801(3) |
Ocean marine exempt: §41-1801(3) |
| IL |
Ocean marine exempt: (but director may require
submission) |
Ocean marine policies may be required to be filed when issued or delivered: §215 ILCS
5/143; inland marine not exempt: 50 IAC §2302.20 |
Ocean marine exempt: §215 ILCS 5/143.11,143.14(a), 143.16, 143.17 and
143.17a; however, policies issued to natural persons not exempt §5/143.13(c) |
| IN |
Ocean marine exempt: §27-1-22-2(a)(3) |
No requirement applicable to ocean marine |
No exemption: §27-1-31-1 |
| IA |
Ocean marine exempt from casualty rate regulation: §515F.3 |
No ocean marine exemption, but manuscript policies exempt §515.109(1) |
No exemption: §515.83A & §515.81B |
| KS |
Certain Inland
Marine Exempt. K.S.A. §40-955, Reg § 40-3-5. Ocean marine not exempt
unless insurance covers “commercial risks, or portions thereof, not rated
according to manuals, rating plans, or schedules.” |
Exempts "non-standardized" marine forms "that cannot
practicably be filed before use" KAR §40-3-32 |
No exemption:§40-2-120, 40-2-121, & Reg. §40-3-15 |
| KY |
Ocean marine exempt: §304.13-021 |
Wet marine and transportation insurance exempt: §304.14-010 |
No exemption: not included in definition of property and casualty
insurance: §304.20-300(2) |
| LA |
Ocean marine exempt, but LIRC Bulletin requires insurers writing pleasure
boats 26ft. or less in length to file rates: §22:1403 and Bulletin LIRC 95-01 (revised) |
Ocean marine and foreign trade insurance exempt: §22:611 |
Ocean marine exempt: §22.611 |
| ME |
Ocean marine exempt: 24-A §2302(2)(c); inland marine not exempt: 24A
§2302(1)(c) |
Wet marine and transportation insurance exempt: 24-A §2401 |
No exemption: §2901; policies insuring yachts or small boats also not
exempt: 24-A §3007 |
| MD |
Ocean marine exempt: but insurers of motor boats up tp 16 ft. in length
must file rates (treated as inland marine): §§ 11-202-(b)(2) and 11-303(a)(4) |
Wet marine and transportation insurance exempt: §12-101. However,
insurance on outboard motorboats must be filed as inland marine. |
No exemption for ocean marine §27-601 |
| MA |
Ocean marine exempt: §§174A:4(b) and 175A:4(d) through (f) |
Most commercial marine policies exempt as business insurance:
§175:2B.
However, pleasure craft policies issued to more than 50 policy holders in
Massachusetts must comply with form filing requirements. |
No exemption: §175:187C |
| MI |
Ocean marine exempt, but for pleasure craft 24ft. or less in length, rates
must be filed §500.2601 |
Wet marine and transportation insurance exempt, but insurance policies on
pleasure craft under 24ft. in length must be filed: §500.2236(8) |
No requirement for ocean marine; however, pleasurecraft 24 ft. and less in
length are subject to provisions: §500.2601 and §500.2236(8) |
| MN |
Ocean marine exempt: §70A.02(5) |
Ocean marine exempt: §70A.02(2)(5) |
Ocean marine exempt: §60A.35 |
| MS |
Ocean marine exempt: §83-2-1(1)(b) |
Ocean marine exempt: §83-2-1(1)(b) |
Wet marine not exempt: §83-5-28 |
| MO |
Ocean marine exempt: §379.316(2) |
No requirement applicable to ocean marine: §375.920 |
No exemption: §379.883-886; cancellation and non-renewal of policies
covering yachts and small boats governed by §375.001 et seq. |
| MT |
Ocean marine exempt: §33-16-103(5) |
Ocean marine and foreign trade insurance exempt: §33-1-501(6) (c) |
No exemption, but not applicable to policies insuring yachts:
§33-15-1101; however, policies insuring small boats not exempt |
| NE |
Ocean marine exempt: §44-5018(2)(b) |
Ocean marine exempt: §44-5018(2)(b) |
No exemption: §44-512(2); policies insuring yachts and small boats also
not exempt: §44-522(3) |
| NV |
Ocean marine exempt: §686B.030(a) |
Wet marine and transportation insurance exempt: §687B.010(3) |
Wet marine and transportation exempt: §687B.010; however, small
boat policies are not considered "wet marine" and thus not exempt |
| NH |
Ocean marine exempt: §414:2(B) |
No requirements applicable to ocean marine |
No exemption for ocean marine insurance: §417-C:2(I) and §402:80 |
| NJ |
Ocean marine exempt: §§17:29A-25 and 17:29AA-3(1) |
Ocean marine exempt: §17:29AA-3(1) |
Ocean marine exempt: Reg. NJAC §11:1-20.1 and -22.1; however, small boat
policies not exempt |
| NM |
Ocean marine exempt: §59A-17-2(1) |
Wet marine and transportation insurance exempt: §59A-18-1(C.) |
Ocean marine exempt: §59A-18-1(C); yacht and small boat policies also
exempt: §59A-18-29(F) |
| NY |
Ocean marine exempt: §2302(a)(4) and (5) 11 NYCRR 153.6 and 153.1(n) |
Marine insurance exempt: §3103 (b) 11NYCRR 153.6 and 153.1(n) |
Ocean marine exempt: §3426(1)(2); see also §1113(a)(20); policies not
principally marine, covering small boats, are not exempt |
| NC |
Personal
Inland Marine Exempt. §58-41-10 Ocean marine exempt: §58-41-10 and G.S. 58-40-15(3) |
Ocean marine exempt: §58-41-10 and G.S. 58-40-15(3) |
Marine insurance exempt: §58-41-10; policies covering yachts, small boats
and personal inland marine risks also exempt: §58-41-10(a) |
| ND |
Ocean marine exempt: §26.1-25-02(c) |
No marine exemption: §26.1-30-19 |
Ocean marine exempt: §26.30.1-01; inland marine is not exempt |
| OH |
Ocean marine exempt: §3935.02(B) |
Ocean marine exempt: §3902.01(A) and §3935.02 |
No exemption: §3937.25 and
§3937.26 |
| OK |
Ocean marine exempt: §901(4) |
Ocean marine and foreign trade insurance: §3601 |
Ocean marine exempt: 36§
3601 (3) |
| OR |
Wet marine and transportation insurance exempt: §737.035(3) |
Wet marine and transportation insurance exempt: §742.001 |
Ocean marine exempt: §742.001 |
| PA |
Ocean marine exempt: §40 P.S. §1222(b) |
30-day file and use statute applies to marine policies: 40 P.S. §477(b)
Policies covering “large commercial risks” exempt, but exemption must
be disclosed. 40 P.S. §710-4. |
No provisions |
| RI |
Ocean marine exempt: §27-6-2(2)(b) and §27-44-3(1)(d) |
None applicable to ocean marine |
Ocean marine exempt (requirements apply only to
"specific types of policies," not including ocean marine): Reg. XXXVIII §1 |
| SC |
Ocean marine exempt: §38-73-20(b)(2; inland marine not exempt |
No express Ocean Marine exemption, but policies "prepared to
meet special, unusual, peculiar, or extraordinary conditions applying to an
individual risk" are exempt from form filing: §38-61-20. |
Marine insurance may not be exempt: §38-75-710, §38-1-
20(28) |
| SD |
Ocean marine exempt: §58-24-3(4) |
No express Ocean Marine exemption, but "unique" risks are
exempt from form filing: §58-11-13. |
Applies to "property insurance" which includes yachts and small
boat policies but not other ocean marine: §
58-33-60-61, §58-25-16,
§58-9-5 |
| TN |
Ocean marine exempt: (§56-5301(4), but private pleasure craft subject to
rate filing: §56-5-302(5)(E) |
Ocean marine exempt, but private pleasure craft subject to form filing:
§56-5-302(5)(E) and §56-5-305 |
Ocean marine and commercially used yachts are exempt from cancellation
requirement: §56-7-1802(1)
(A), §56-5-301(4); pleasure watercraft is deemed to be personal risk insurance and has
not cancellation requirement: §56-5-302(5)
(E); however, personal yachts and small boats are subject to non-renewal law: §56-7-1901 |
| TX |
Ocean and inland marine exempt: Art.
Art. 5.15,
5.25-5.31, 5.53. |
Ocean and inland marine exempt: Art. 5.36 and 5.53 |
Ocean marine exempt: §5.53; yachts and small boats also exempt: 28 TAC
§5.7001 |
| UT |
Ocean marine exempt: §31A-1-103(3)(b). Inland marine not written
according to manual rules or rating plans exempt: §31A-19-203 |
Ocean marine exempt: §31-A-1-103(3)(b) §31-A-21-201 |
Ocean marine exempt: §31A-1-103(3)(b) |
| VT |
Ocean marine exempt: T.8 §4682(4) |
Wet marine and transportation insurance exempt: T.8 §3301(6) |
Ocean marine exempt: T.8 §4682(4); however, yacht policies and small boat
policies are subject to provisions: T.8 §3880 (a) &T.8 §3301(a)(4) |
| VA |
Ocean marine exempt except for private pleasure craft under 26ft. in length:
§38.2-1902 and Admin. Order 9721 |
Ocean marine other than private pleasure craft exempt; only craft up to 26
ft. in length must file §38.2.317c |
Ocean marine exempt (not listed): §38.2-231; yacht policies "may be
considered exempt;" however, small boat coverage insured through homeowners' policies
is subject to provisions: Reg.14VAC §5-340 |
| WA |
Ocean marine exempt, but by regulation boats under 27ft. in length are
deemed inland marine and must file: §48.19.010 and WAC §284-24-080
(32) |
Ocean marine generally exempt, but boats under 27 ft. in length are
considered inland marine and must file: §48.18.010 and WAC
§284-24-080(32) |
Ocean marine exempt: §48.18.010 |
| WV |
Ocean marine exempt: §33-20-2(b)(3) |
Ocean marine exempt: §33-17-8(a) and (b) and §33-17-2 |
No exemption: §33-17A-2(b)
(1); yachts and small boats also not exempt: §33-17A-2 |
| WI |
Ocean marine exempt: §625.03(1) Inland marine exempt: WAC 4.08,
6.78(2)(a) and 6.785(2)(a) |
Administrative Code exempts ocean marine insurance:
§6.75(2)(b) |
No exemption: §631.36 |
| WY |
Ocean marine exempt: §26-14-102(a)(v) |
Wet marine and transportation insurance exempt: §26-15-101(a)(iii) |
No exemption: §26-35-201 to §26-35-204 |
| GUAM |
Ocean marine policies exempt from rate and form filing when
issued by unauthorized insurers §15204. |
Ocean marine policies exempt from rate and form filing when
issued by unauthorized insurers §15204. |
|
|
PUERTO
RICO |
Ocean marine exempt: §26-1202(e) |
Ocean marine exempt: §26-1202(e) |
|
| U.S. VIRGIN ISLANDS |
Ocean marine policies exempt if "unique" §810. |
Ocean marine policies exempt if "unique" §810. |
|
