Last Updated: March 2022
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.
Alaska Stat. § 21.39.020(b)(3) exempts marine insurance. Alaska Stat. § 21.39.040(a) exempts inland marine risks which by general custom of the business are not written according to manual rates or rating plans.
Alaska Stat. § 21.42.010(3) exempts wet marine and transportation insurance.
Alaska Stat. § 21.42.120(a) exempts specially rated inland marine risks.
Alaska Stat. § 21.36.210 contains no express limit on cancellation of marine policies. Alaska Stat. § 21.36.220 contains no marine exemptions for notice of policy cancellation. . Alaska Stat. § 21.36.240 imposes no conditions on an insurer’s failure to renew a marine policy.
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 § 27-14-8(a) exempts specially rated inland marine risks.
Title 27 of the Ala. Code includes no express provisions generally precluding or limiting cancellation/non-renewal of P&C policies including marine.
Ariz. Rev. Stat. §§ 20-342(A)(6), 20-382(A)(3) exempt marine insurance. Ariz. Rev. Stat. § 20-385(A) exempts marine, inland marine, and transportation risks.
Ariz. Rev. Stat. § 20-1101(3) exempts ocean marine and foreign trade insurance. Ariz. Rev. Stat. § 20-1110 does not expressly apply to inland marine risk.
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.
Filing required. Guam Code Ann. §18501.
Filing required. Guam Code Ann. §18308.
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. See also La. Rev. Stat. Ann. §22:47(13).
File (inland marine). La. Rev. Stat. Ann. § 22:851
File (inland marine). Mo. Rev. Stat. § 379.316.
File (inland marine). Mo. Rev. Stat. § 379.316.
Neb. Rev. Stat. § 44-7505(2)(b) exempts ocean marine insurance. Neb. Rev. Stat. Ann. §§ 44-7511(1) and 44-7508(c) exempts types of inland marine risk rates that by industry custom, have not been written according to manual rating.
Neb. Rev. Stat. § 44-7505(2)(b) exempts ocean marine insurance.
Neb. Rev. Stat. § 44-522(2) requires that for policies with terms greater than sixty (60) days, marine insurers must provide insureds with sixty (60) days’ notice of non-renewal/cancellation except where cancellation is premised on nonpayment of premium.
Neb. Rev. Stat. § 44- 522(3)(a-g)1 provides that marine insurers may not cancel policies which have been effective for greater than sixty (60) days except for certain enumerated reasons.
File (inland marine). Neb. Rev. Stat. § 44-7505(2)(b).
File (inland marine). Neb. Rev. Stat. § 44-7505(2)(b).
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(a) Nonpayment of premium;
(b) The policy was obtained through a material misrepresentation;
(c) Any insured has submitted a fraudulent claim;
(d) Any insured has violated any of the terms and conditions of the policy;
(e) The risk originally accepted has substantially increased;
(f) Certification to the Director of Insurance of loss of reinsurance by the insurer which provided coverage to the insurer for all or a substantial part of the underlying risk insured; or
(g) The determination by the director that the continuation of the policy could place the insurer in violation of the insurance laws of this state.
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Okla. Stat. tit. 36 §983(4) exempts ocean marine, but not inland marine, insurance.
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.
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.
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 includes no express provisions generally precluding or limiting cancellation/non-renewal of marine policies.
File (inland marine). P.R. Laws Ann. tit. 26 §1202(e).
File (inland marine). P.R. Laws Ann. tit. 26 § 1101.
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 include no express provisions generally precluding or limiting cancellation/non-renewal of marine policies.
S.C. Code Ann. §38-73-20(b)(2) Exempts ocean marine insurance.
SC Code Ann. Regs 69-64 exempts commercial policies including inland marine.
S.C. Code Ann. Regs. 69-64(D) requires filing of all commercial policies unless pertaining to an exempt commercial risk and has previously been filed by an advisory organization or the insurer.
S.C. Code Ann. § 38- 61-20 and S.C. Code Ann. § 38-61-25 also exempt policies prepared to “to meet special, unusual, peculiar, or extraordinary conditions applying to an individual risk.”
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.
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.
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.
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.
Code contains no applicable rate requirements.
V.I. Code Ann. tit. 22 § 53a pre-approval of rates is not required, but the Commissioner shall be notified 30 days in advance of the effective date of any rate increase.
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.
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-21-201
Does not include inland or ocean marine insurance for filing requirement
Utah Code Ann. § 31A-1-103(3)(b) exempts ocean marine insurance.
Utah Code Ann. § 31A-21- 303.
Va. Code Ann. § 38.2-1902(8) exempts insurance of vessels or craft used primarily in a trade or business, their cargoes, marine builders' risks and marine protection and indemnity
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.
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- 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.
Wis. Stat. § 625.03(1)(a) exempts ocean marine insurance. Wis. Admin. Code § Ins. 4.08 exempts inland marine insurance.
Wis. Adm. Code § Ins. 6.05(2) exempts ocean marine insurance.
Wis. Stat. § 631.01(3) exempts ocean marine insurance.
No filing required.
Filing required. Wis. Code. § 631.20.
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 § 33–17a–1 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)
File (inland marine). Wyo. Stat. Ann. § 26-14-102(a)(v)
File (inland marine). Wyo. Stat. Ann. § 26-15-101(a)(iii).