STATE RATES/FORMS FILING CHART

Last Updated: August 20, 2018
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This chart does not constitute legal advice, nor does it purport to provide definitive guidance for every type of marine insurance product. Individualized questions should be directed to counsel or a particular state’s Department of Insurance for definitive filing advice.

The information contained in the “PLEASURECRAFT” columns of this chart may not apply to certain policies insuring yachts (as distinct from small, recreational boat policies), where such yacht policies have commonly been insured under marine, as distinguished from inland marine, insurance policies, and when such policies are “not written according to manual rates or rating plans.”   Such yacht policies may be exempt from filing requirements applicable to inland marine coverages. Individual states’ regulations may vary on the applicability of such an exemption.

States Rates Forms Cancellation Non-Renewal Cities Pleasurecraft Rates/Rules Pleasurecraft Forms
AK Alaska Stat. 21.39.020(3) exempts marine, but not inland marine insurance. Alaska Stat. 21.42.010(3) exempts wet marine and transportation insurance. Alaska Stat. 21.36.210, 21.36.220, 21.36.240 contain no marine exemptions. File (inland marine). Alaska Stat. 21.39.020(3) File (inland marine). Alaska Stat. 21.39.020(3)
AL Ala. Code 27-13-21 exempts marine insurance. Ala. Code 27-13-22 applies some requirements to inland marine insurance. Ala. Code 27-14-2(3) exempts wet marine and transportation insurance. Ala. Code 27-2A-4 contains no exemptions for marine or inland marine insurance. Inland marine vessels for pleasure, not business, must file if less than 16 feet. Ala. Admin. Code 482-1-039.01. Inland marine vessels for pleasure, not business, must file if less than 16 feet. Ala. Admin. Code 482-1-039.01.
AR Ark. Code Ann. 23-67-203(4) exempts ocean marine insurance. Ark. Code Ann. 23-79-102(3) exempts wet marine and foreign trade insurance. Ark. Code Ann. 23-66-206(9)(A) contains no marine exemptions. File (inland marine). Ark. Code Ann. 23-67-211. File (inland marine). Ark. Code Ann. 23-79-109.
AZ Ariz. Rev. Stat. 20-342(5), 20-382(3) exempt marine, but not inland marine, insurance. Ariz. Rev. Stat. 20-400(7) exempts marine and inland marine insurance from some requirements. Ariz. Rev. Stat. 20-1101(3) exempts ocean marine and foreign trade insurance. Ariz. Rev. Stat. 20-1671(8) exempts commercial marine, but not inland marine, insurance. Ariz. Rev. Stat. 20-1651 to 20-1656, contain no marine exemptions for residential or personal insurance. No filing required No filing required
CA Cal. Ins. Code 1851(c) exempts marine, but not inland marine insurance. Code contains no applicable filing requirements. Cal. Ins. Code 675.5(d)(5) exempts commercial ocean marine insurance. File (inland marine). Cal. Ins. Code 1851(c). No filing required
CO 3 Colo. Regs 702-5:5 exempts ocean marine 3 Colo. Code Regs 702-5.5-1-10 exempts ocean marine insurance. Colo. Rev. Stat. 10-4-109.7, 10-4-110 contain no marine exemptions. File (inland marine). Colo. Rev. Stats. 10-4-401(3)(b). No filing required
CT Conn. Gen. Stat. 38a-664(4) exempts marine, but not inland marine, insurance. Conn. Gen. Stat. 38a-664(4) exempts marine, but not inland marine, insurance. Conn. Gen. Stat. 38a-324, 38a-323 contain no marine exemptions with regard to cancellation and non-renewal requirements. File (inland marine). Conn. Gen. Stat. 38a-664. File (inland marine). Conn. Gen. Stat. 38a-664.
D.C. D.C. Code 31-2702(1) exempts marine, but not inland marine, insurance. D.C. Code 31-2714(a) removes filing requirements if insurer is insuring "exempt commercial risks," which are large entities defined at D.C. Code 31-2701(7). Code contains no provisions dealing with cancellation and non-renewal. File (inland marine). D.C. Code 31-2702. File (inland marine). D.C. Code 31-2714.
DE Del. Code Ann. tit. 18 2502(b)(2) exempts marine, but not inland marine, insurance. Del. Code Ann. tit. 18 2701(3) exempts wet marine and transportation insurance. Del. Code Ann. tit 18 4120 exempts inland marine insurance and any insurance that is not residential or personal. File (inland marine). Del. Code Ann. tit. 18 2502. File (inland marine). Del. Code Ann. tit. 18 2701.
FL Fla. Stat. 627.021(2)(c),(d) exempts marine, including inland marine, insurance. Fla. Stat. 627.401(3) exempts wet marine and transportation insurance. Fla. Stat. 627.4133 contains no marine exemptions. File for all personal inland marine risks, but not commercial inland marine risks. Fla. Admin. Code 69O-167.024 Fla. Stat. 627.401(3) exempts wet marine insurance. See Fla. Stat. 624.607 for definition of wet marine insurance.
GA Ga. Code Ann. 33-9-3(a)(4) exempts marine, but not transportation, insurance. Ga. Code Ann. 33-24-2(3) exempts ocean marine and foreign trade insurance. Ga. Code Ann. 33-24-9 exempts specially rated inland marine risks. Ga. Code Ann. 33-24-2(3) exempts ocean marine and foreign trade insurance. File (inland marine). Ga. Code Ann. 33-9-3(a)(4). File for inland marine risks other than specially rated inland marine risks. Ga. Code Ann. 33-24-9(a).
GUAM Guam Code Ann. 18501 contains no marine exemptions. Guam Code Ann. 18308 contains no marine exemptions. Code contains no provisions dealing with cancellation and non-renewal. Filing required. Guam Code Ann. 18501. Filing required. Guam Code Ann. 18308.
HI Haw. Rev. Stat. 431:14-102 exempts marine, but not inland marine, insurance. Haw. Rev. Stat. 431:10-201 exempts ocean marine insurance. Haw. Rev. Stat. 431:10-201 exempts ocean marine insurance. No filing required No filing required
IA Iowa Code 515F.3(2)(c) exempts marine, but not inland marine, insurance. IAC 191-20.11 contains no marine exemptions for form filings. Iowa Code 515.126-515.129c contain no marine exemptions for cancellation/non-renewal requirements No filing required. No filing required.
ID Idaho Code Ann. 41-1401(3)(b) exempts marine, but not inland marine, insurance. Idaho Code Ann. 41-1801 exempts wet marine and transportation insurance. Idaho Code Ann. 41-1801 exempts wet marine and transportation insurance. No filing required File (inland marine). Idaho Code Ann. 41-1401(3)(b).
IL 50 IL Adm. Code 754.10 exempts marine, but not inland marine, insurance. 215 Ill. Comp. Stat. 5/143 contains no marine exemptions. Ill. Admin Code tit. 50 2302.20(b) exempts inland marine insurance issued for business purposes; forms issued to industrial insureds are not required to be filed. 215 Ill. Comp. Stat. 5/143.11, 5/143.17, 5/143.17a exempt ocean marine insurance. No rate filing required Filing required. 50 Ill. Adm. Code 101.30. Form filing required.
IN Ind. Code. 27-1-22-2(a)(3) exempts marine, but not inland marine, insurance. Ind. Code 27-1-22-28 contains no applicable marine exemptions. Ind. Code 27-1-31-1 contains no marine exemptions. File (inland marine). Ind. Code 27-1-22-2. No filing required
KS Kan. Stat. Ann. 40-955 exempts inland marine insurance from rate filing requirements, but may exempt certain special risks, including large risks and commercial risks "not rated according to manuals, rating plans, or schedules." Form filing requirements are subject to the same exemptions under rate filing requirements. Kan. Admin. Regs. 40-3-32 exempts marine and inland marine forms that cannot practicably be filed before use. The exception does not apply to marine or inland marine policy and endorsement forms that contain standardized wording. Kan. Stat. Ann. 40-2,120 to 2,122 contain no marine exemptions. Filing required. Kan. Stat. Ann. 40-955. Filing required. Kan. Stat. Ann. 40-955.
KY Ky. Rev. Stat. Ann. 304.13-021(3) exempts wet marine and transportation insurance. Ky. Rev. Stat. Ann. 304.14-010(3) exempts wet marine and transportation insurance. Ky. Rev. Stat. Ann. 304.20-300 to 304.20-385 contain no marine exemptions. File (inland marine). Ky. Rev. Stat. Ann. 304.13-021(3). File (inland marine). Ky. Rev. Stat. Ann. 304.14-010(3).
LA La. Rev. Stat. Ann. 22:1456(C)(2) exempts marine, but not inland marine, insurance. La. Rev. Stat. Ann. 22:851 exempts ocean marine and foreign trade insurance. See also La. Rev. Stat. Ann. 22:856. La. Rev. Stat. Ann. 22:851 exempts ocean marine and foreign trade insurance. File (inland marine). La. Rev. Stat. Ann. 22:1456. File (inland marine). La. Rev. Stat. Ann. 22:851
MA Mass. Gen. Laws ch. 174A 4(b) exempts marine, but not inland marine, insurance. Mass. Gen. Laws. ch. 175 2B exempts policies that are not delivered to more than 50 policyholders; Mass. Gen. Laws Ann. ch 175, 224 exempts large commercial policyholders. Mass. Gen. Laws. ch. 175 187C contains no marine exemptions. No filing required Filing required. Mass. Gen. Laws. ch. 175 2B.
MD Md. Code Ann., Ins. 11-202(b)(2), 11-303(a)(4) exempt marine, but not inland marine, insurance. Md. Code Ann., Ins. 12-101 exempts wet marine and transportation insurance. Md. Code Ann., Ins. 27-601 to 27-614 contain no marine exemptions. File pursuant to Md. Code Ann., Ins. 11-202. See also Md. Code Regs. 31.08.06.02 (inland marine not exceeding 16 feet in length). File (inland marine). Md. Code Ann., Ins. 12-101.
ME Me. Rev. Stat. tit. 24A 2302(2)(C) exempts marine, but not inland marine, insurance. Me. Rev. Stat. tit. 24A 2302(3) exempts wet marine and transportation insurance. Me. Rev. Stat. tit. 24A 2901, 2908 contain no marine exemptions. File (inland marine). Me. Rev. Stat. tit. 24A, 2302(2)(c). File (inland marine). Me. Rev. Stat. tit. 24A, 2302(2)(c).
MI Mich. Comp. Laws 500.2601(3) exempts imports, exports, and domestic shipments, and any vessels with a straight-line hull length of more than 24 feet. Mich. Comp. Laws 500.2236(8) exempts vessels and watercrafts with a straight-line hull length of more than 24 feet. Code contains no provisions the cancellation and non-renewal of marine insurance policies. File (if less than 24 feet). Mich. Comp. Laws 2601. File (if less than 24 feet). Mich. Comp. Laws 500.2236.
MN Minn. Stat. 70A.02 exempts marine insurance. Also exempts inland marine insurance under certain circumstances. See Minn. Stat. 70A.02. Minn. Stat. 70A.02 exempts marine insurance. Also exempts inland marine insurance under certain circumstances. See Minn. Stat. 70A.02(3). Minn. Stat. 60A.35 exempts ocean marine insurance. Filing not required, except for certain inland marine risks. See Minn. Stat. 70A.02(3). Filing not required, except for certain inland marine risks. See Minn. Stat. 70A.02(3).
MO Mo. Rev. Stat. 379.316 exempts marine, but not inland marine, insurance. Mo. Rev. Stat. 375.90 contains no applicable marine filing requirements. Mo. Rev. Stat. 379.883 contains no marine exemptions for commercial insurance. Mo. Rev. Stat. 375.001-375.011 covers noncommercial insurance and also contains no marine exemptions. File (inland marine). Mo. Rev. Stat. 379.316. File (inland marine). Mo. Rev. Stat. 379.316.
MS Miss. Code Ann. 83-2-1(1)(b) exempts ocean marine insurance. Miss. Code Ann. 83-2-1(1)(b) exempts ocean marine insurance. Miss. Code. Ann. 83-5-28 contains no marine exemption from its requirements. File (inland marine). Miss. Code Ann. 83-2-1(1)(b). File (inland marine). Miss. Code Ann. 83-2-1(1)(b).
MT Mont. Code Ann. 33-16-103(5) exempts marine, but not inland marine, insurance. Mont. Code Ann. 33-1-501(9)(c) exempts ocean marine and foreign trade insurance. Mont. Code Ann. 33-15-1101 to 33-15-1121 contain no marine exemptions. File (inland marine). Mont. Code Ann. 33-16-103(5). File (inland marine). Mont. Code Ann. 33-16-103(5).
NC N.C. Gen. Stat. 58-40-15(3) exempts marine, but not inland marine, insurance. N.C. Gen. Stat. 58-40-30(a) exempts inland marine insurance "not written according to manual rates and rating plans." N.C. Gen. Stat. 58-41-10(a) exempts marine as defined by G.S. 58-40-15(3) and personal inland marine insurance. N.C. Gen. Stat. 58-41-80 exempts inland marine risk that is not written according to manual rates and rating plans. N.C. Gen. Stat. 58-41-10(a) exempts marine and personal inland marine insurance. File (inland marine). N.C. Gen. Stat. 58-40-15(3). File (inland marine). N.C. Gen. Stat. 58-40-15(3).
ND N.D. Cent. Code 26.1-25-02(1)(c) exempts marine, but not inland marine, insurance. N.D. Cent. Code 26.1-30-19 contains no marine exemption from its requirements. N.D. Cent. Code 26.1-30.1-01 exempts inland marine insurance. File (inland marine). N.D. Cent. Code 26.1-25-02(1)(c). Filing required. N.D. Cent. Code 26.1-30-19.
NE Neb. Rev. Stat. 44-7505(2)(b) exempts ocean marine insurance. Neb. Rev. Stat. Ann. 44-7511(1) and 44-7508(c) exempt inland marine risk rates. Neb. Rev. Stat. 44-7505(2)(b) exempts ocean marine insurance. Neb. Rev. Stat. 44-522 contains no marine exemptions. File (inland marine). Neb. Rev. Stat. 44-7505(2)(b). File (inland marine). Neb. Rev. Stat. 44-7505(2)(b).
NH N.H. Rev. Stat. Ann. 412:2(II)(d) exempts ocean marine insurance. N.H. Rev. Stat. Ann. 412:2(II)(d) exempts ocean marine insurance. N.H. Rev. Stat. Ann. 417-C:2 to 417-C:3 contain no marine exemptions. File (inland marine). N.H. Rev. Stat. Ann. 412:2(II)(d). File (inland marine). N.H. Rev. Stat. Ann. 412:2(II)(d).
NJ N.J. Rev. Stat. 17:29A-25 exempts marine insurance, but not inland marine insurance unless it belongs to "classes of inland marine insurance for which no class rates, rating plans or special rates are customarily fixed by a rating bureau." N.J. Rev. Stat. 17:29AA-3(a)(1) exempts marine, but not inland marine, insurance. N.J. Admin. Code 11:1-20.1, 11:1-22.1 exempt ocean marine insurance. File (inland marine). N.J. Rev. Stat. 17:29A-25. File (inland marine). N.J. Rev. Stat. 17:29A-25.
NM N.M. Stat. Ann. 59A-17-2(A)(1) exempts wet marine and transportation insurance. N.M. Stat. Ann. 59A-18-1(C) exempts wet marine and transportation insurance. N.M. Stat. Ann. 59A-18-1(C) exempts wet marine and transportation. N.M. Stat. Ann. 59A-18-29(F) exempts inland marine insurance. File (inland marine). N.M. Stat. Ann. 59A-17-2(A)(1). File (inland marine). N.M. Stat. Ann. 59A-17-2(A)(1).
NV Nev. Rev. Stat. 686B.030(1)(a) exempts ocean marine, but not inland marine, insurance. Nev. Rev. Stat. 687B.010(3) exempts wet marine and transportation insurance. Nev. Rev. Stat. 687B.010(3) exempts wet marine and transportation insurance. File (inland marine). Nev. Rev. Stat. 686B.030(1)(a). File (inland marine). Nev. Rev. Stat. 686B.030(1)(a).
NY N.Y. Ins. Law 2302(a)(4), (5) exempts marine, but not inland marine, insurance. N.Y. Ins. Law 2302(a)(4), (5) exempts marine, but not inland marine, insurance. N.Y. Ins. Law 2307(e) exempts inland marine risks from policy form filing if they are "not written according to manual rates or rating plans." N.Y. Ins. Law 3426(l)(2) exempts "principally marine" insurance. File (inland marine). N.Y. Ins. Law 2302(a)(4). File (inland marine). N.Y. Ins. Law 2302(a)(4).
OH Ohio Rev. Code Ann. 3935.02(B) exempts marine, but not inland marine, insurance. Code contains no applicable filing requirements. See Ohio Rev. Code Ann. 3902.02. Ohio Rev. Code Ann. 3937.25- 3937.26 contain no marine exemptions. File (inland marine). Ohio Rev. Code Ann. 3935.02(B). Code contains no applicable filing requirements. See Ohio Rev. Code Ann. 3902.02.
OK Okla. Stat. tit. 36 900.1-911 contain no specific marine exemptions. Okla. Stat. tit. 36 3601(3) exempts ocean marine and foreign trade insurance. Okla. Stat. tit. 36 3601(3) exempts ocean marine and foreign trade insurance. Filing required. Okla. Stat. tit. 36 900.1-911. File (inland marine). Okla. Stat. tit. 36 3601(3).
OR Or. Rev. Stat. 737.035(3) exempts wet marine and transportation insurance. Or. Rev. Stat. 742.001(2) exempts wet marine and transportation insurance. Or. Rev. Stat. 742.001(2) exempts wet marine and transportation insurance. File (inland marine). Or. Rev. Stat. 737.035(3). File (inland marine). Or. Rev. Stat. 742.001(2).
PA 40 Pa. Stat. Ann. 1222(b) exempts marine, but not inland marine, insurance. 40 Pa. Stat. Ann. 710-4(b)(2) exempts marine, but not inland marine, insurance. 40 Pa. Stat. Ann. 3403 contains no marine exemptions. File (inland marine). 40 Pa. Stat. Ann. 1222(b). File (inland marine). 40 Pa. Stat. Ann. 710-4(b)(2).
PUERTO RICO P.R. Laws Ann. tit. 26 1202(e) exempts marine, but not inland marine, insurance. P.R. Laws Ann. tit. 26 1101 exempts ocean marine and foreign trade insurance. P.R. Laws Ann. tit. 26 1101 exempts ocean marine and foreign trade insurance. File (inland marine). P.R. Laws Ann. tit. 26 1202(e). File (inland marine). P.R. Laws Ann. tit. 26 1101.
RI R.I. Gen. Laws 27-6-2(b)(2) exempts marine, but not inland marine, insurance. R.I. Gen. Laws 27-44-3(a)(4) exempts ocean marine insurance. R.I. Gen. Laws 27-29-17 and Ins. Reg. 38 contain no marine exemptions. File (inland marine). R.I. Gen. Laws 27-6-2(b)(2). File (inland marine). R.I. Gen. Laws 27-44-3(a)(4).
SC SC Code Ann. Regs 69-64 exempts commercial policies including inland marine. S.C. Code Ann. Regs. 69-64 requires filing of all commercial policies. S.C. Code Ann. 38-75-710 contains no marine exemptions. Filing required. S.C. Code Ann. 38-73-340. Filing required. S.C. Code Ann. Regs. 69-64.
SD S.D. Codified Laws 58-24-3(4) exempts marine, but not inland marine, insurance. S.D. Codified Laws 58-11-13 exempts "specially rated inland marine risks" and any "forms of unique character designed for and used with relation to insurance upon a particular subject." S.D. Codified Laws 58-33-60 contains no marine exemptions with regard to cancellation requirements. S.D. Codified Laws 58-1-14 contains no marine exemptions with regard to nonrenewal requirements. File (inland marine). S.D. Codified Laws 58-24-3(4). File (inland marine). S.D. Codified Laws 58-11-13.
TN Tenn. Code. Ann. art. 56-5-101(4) exempts ocean marine insurance. Tenn. Code. Ann. art. 56-5-101(4) exempts ocean marine insurance. Tenn. Code Ann. 56-7-1802(1)(A) exempts ocean marine insurance. For personal pleasure watercraft, Tenn. Code Ann. 56-7-1901 contains no exemptions with regard to nonrenewal requirements. However, code contains no provisions dealing with cancellation for personal pleasure watercraft insurance. Filing required. Tenn. Code Ann. 56-5-102(7)(E), 56-5-105. Filing required. Tenn. Code Ann. 56-5-102(7)(E), 56-5-105.
TX Tex. Ins. Code Ann. art. 5.13(c) exempts ocean marine, marine, and noncommercial inland marine insurance. Tex. Ins. Code Ann. art. 5.13(c) exempts ocean marine, marine, and noncommercial inland marine insurance. Tex. Ins. Code Ann. 551.001(a-1)(2) exempt marine, but not inland marine, insurance. No filing required No filing required
U.S. VIRGIN ISLANDS Code contains no applicable rate requirements. V.I. Code Ann. tit. 22 801 exempts ocean marine and foreign trade insurance. V.I. Code Ann. tit. 22 801 exempts ocean marine and foreign trade insurance. No filing required. See V.I. Code Ann. Tit. 22 53a. V.I. Code Ann. Tit. 22 810 requires form filing for pleasurecraft policies that are not ocean marine policies.
UT Utah Code Ann. 31A-1-103(3)(b) exempts ocean marine insurance. Utah Code Ann. 31A-19a-203(5) exempts inland marine insurance "not written according to standardized manual rules or rating plans." Utah Code Ann. 31A-1-103(3)(b) exempts ocean marine insurance. Utah Code Ann. 31A-1-103(3)(b) exempts ocean marine insurance. File (inland marine). Utah Code Ann. 31A-1-103(3)(b). File (inland marine). Utah Code Ann. 31A-1-103(3)(b).
VA Va. Code Ann. 38.2-1902(8) exempts ocean marine insurance. Admin. Order 9721 private pleasure watercraft 26 feet and over in length. Va. Code Ann. 38.2-300(1) exempts ocean marine insurance. Admin. 9720 exempts private pleasure watercraft 26 feet and over in length. Va. Code Ann. 38.2-231 contains no marine exemptions. File (inland marine- if less than 26 feet). Va. Code Ann. 38.2-1906. File (inland marine- if less than 26 feet). Va. Code Ann. 38.2-316.
VT Vt. Stat. Ann. tit. 8 4682(4) exempts ocean marine insurance. Vt. Stat. Ann. tit. 8 3541(a) exempts wet marine and transportation insurance, as well as specially rated inland marine risks. Vt. Stat. Ann. tit. 8 4682(4) exempts ocean marine insurance. Vt. Stat. Ann. tit. 8 3879-3883, however, contain no marine exemptions from certain other requirements. File (inland marine). Vt. Stat. Ann. tit. 8 4682(4). File (inland marine). Vt. Stat. Ann. tit. 8 3541(a).
WA Wash. Rev. Code 48.19.010(1)(e) exempts marine, but not inland marine, insurance. Wash. Admin. Code 284-24-080(4) requires rates for pleasure craft 26 feet or less in length. Wash. Rev. Code 48.18.010 exempts ocean marine and foreign trade insurance. Wash. Rev. Code 48.18.010 exempts ocean marine and foreign trade insurance. File (inland marine- if less than 26 feet). Wash. Admin. Code 284-24-080(4). File (inland marine- if less than 26 feet). Wash. Rev. Code 48.18.010.
WI Wis. Stat. 625.03(1)(a) exempts ocean marine insurance. Wis. Admin. Code Ins. 4.08 exempts inland marine insurance. Wis. Code. 631.20 contains no marine exemptions; Wis. Stat. 631.01(3) provides that ocean marine is not exempt. Wis. Stat. 631.01(3) exempts ocean marine insurance. No filing required. Filing required. Wis. Code. 631.20.
WV W. Va. Code 33-20-2(b)(3) exempts marine, but not inland marine, insurance. W. Va. Code 33-17-8(b) exempts ocean marine insurance, as well as specially rated inland marine insurance. W. Va. Code 3317a1 to 33-17a-11 contain no marine exemptions. File (inland marine). W. Va. Code 33-20-2(b)(3). File (inland marine). W. Va. Code 33-17-8(b)
WY Wyo. Stat. Ann. 26-14-102(a)(v) exempts marine, but not inland marine, insurance. Wyo. Stat. Ann. 26-15-101(a)(iii) exempts wet marine and transportation insurance. Wyo. Stat. Ann. 26-35-201 to 26-35-204 contain no marine exemptions. File (inland marine). Wyo. Stat. Ann. 26-14-102(a)(v) File (inland marine). Wyo. Stat. Ann. 26-15-101(a)(iii).

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