STATE RATES/FORMS FILING CHART

Last Updated: August 26, 2015

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.

STATE  RATES  FORMS  CANCELLATION NON-RENEWAL CITES  PLEASURECRAFT RATES/RULES  PLEASURECRAFT FORMS  
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. Code contains no provisions   dealing with cancellation and non-renewal. File (if less than 17 feet) File (if less than 17 feet)
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) File (inland marine)
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, however, contain no marine   exemptions for residential or personal insurance. No filing required No filing required
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) File (inland marine)
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- if less than 26 feet) No filing required
CO 3 Colo. Regs   §702-5:5 exempts ocean marine Code contains   no applicable filing requirements. Colo. Rev.   Stat. §§ 10-4-109.7, 10-4-110 contain no marine exemptions. File (inland marine) 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-323(a) (referencing   §38a-664(4)) exempts marine, but not inland marine, insurance with regard to   nonrenewal requirements. Conn. Gen. Stat. § 38a-324, however, contains no   marine exemptions with regard to cancellation requirements. File (inland marine) File (inland marine)
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. No filing required File (inland marine)
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) File (inland marine)
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 (if less than 27 feet) File (if less than 27 feet)
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.   § 33-24-2(3) exempts ocean marine and foreign trade insurance. File (if less than 27 feet) File (if less than 27 feet)
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
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)
IL 50 IL Adm.   Code 754.10 contains no applicable rate filing requirements. 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 filing required File
IN Ind. Code. §   27-1-22-2(a)(3) exempts marine, but not inland marine, insurance. Code contains   no applicable filing requirements. Ind. Code §   27-1-31-1 contains no marine exemptions. File (inland marine) No filing required
IA Iowa Code §   515F.3(2)(c) exempts marine, but not inland marine, insurance. No marine exemptions included in IAC 191-20.11. Iowa Code §§   515.126-515.129c contain no marine exemptions. File (inland marine) File
KS Kan. Stat.   Ann. § 40-955 contains no marine exemptions to its 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 subject to same exemptions   as rate filing requirements. Regs. §   40-3-32 may exempt if the form "cannot practicably be filed before   use." Kan. Stat.   Ann. §§ 40-2,120 to 2,122 contain no marine exemptions. File File
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) File (inland marine)
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. La. Rev. Stat. Ann. § 22:851 exempts ocean marine   and foreign trade insurance. File (if less than 27 feet) File (if less than 27 feet)
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) File (inland marine)
MD Md. Code   Ann., Ins. §§ 11-202(b)(2), 11-303(a)(4) exempt marine, but not inland   marine, insurance. Md. Code Ann., Ins. 11-206(h)(1) exempts inland marine   risks from rate filing if they are "not written according to manual   rates or rating plans." 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 (inland marine- if less than 17 feet) File (inland marine- if less than 17 feet)
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 File (if less than 17 feet)
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 imports, exports, and domestic shipments,   instrumentalities of transportation, business vessels, and any vessels with a   straight-line hull length of more than 24 feet. Code contains   no provisions dealing with cancellation and non-renewal. File (if less than 25 feet) File (if less than 25 feet)
MN Minn. Stat. §   70A.02 exempts marine, but not inland marine, insurance. Minn. Stat. §   70A.02 exempts marine, but not inland marine, insurance. Minn. Stat. §   60A.35 exempts ocean marine insurance. File (inland marine) File (inland marine)
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) File (inland marine)
MO Mo. Rev.   Stat. § 379.316 exempts marine, but not inland marine, insurance. Code contains   no applicable filing requirements (Mo. Rev. Stat. § 375.920 not applicable to   marine). 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) File (inland marine)
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) File (inland marine)
NE Neb. Rev.   Stat. § 44-7505(2)(b) exempts ocean marine insurance. Neb. Rev.   Stat. § 44-7505(2)(b) exempts ocean marine insurance. Neb. Rev.   Stat. § 44-522 contains no marine exemptions. File (inland marine) File (inland marine)
NV Nev. Rev.   Stat. § 686B.030(1)(a) exempts ocean 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) File (inland marine)
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) File (inland marine)
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 (if less than 17 feet) File (if less than 17 feet)
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) File (inland marine)
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. No filing required (even if less than 17 feet) No filing required (even if less than 17 feet)
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 and   personal inland marine insurance. N.C. Gen. Stat. § 58-41-10(a) exempts marine and   personal inland marine insurance. File (inland marine) File (inland marine)
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) File
OH Ohio Rev.   Code Ann. § 3935.02(B) exempts marine, but not inland marine, insurance. Code contains   no applicable filing requirements. Ohio Rev.   Code Ann. §§ 3937.25- 3937.26 contain no marine exemptions. File (inland marine) File (inland marine)
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. File File (inland marine)
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) File (inland marine)
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) File (inland marine)
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) File (inland marine)
SC SC Code Ann.   Regs 69-64 exempts commercial policies including inland marine. SC Code Ann. Regs 69-64 exempts commercial policies   including inland marine. S.C. Code   Ann. § 38-75-710 contains no marine exemptions. File File
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) File (inland marine)
TN Tenn. Code   Ann. § 56-5-301(4) exempts ocean marine insurance. Tenn. Code Ann. §§   56-5-305, 56-5-302(7)(E), however, require filings for personal pleasure   watercraft. Tenn. Code   Ann. § 56-5-301(4) exempts ocean marine insurance. Tenn. Code Ann. §§   56-5-305, 56-5-302(7)(E), however, require filings for personal pleasure   watercraft. 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. File (inland marine) File (inland marine)
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
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. No filing required File (inland marine)
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) File (inland marine)
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) File (inland marine- if less than 26 feet)
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) File (inland   marine- if less than 26 feet)
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 §   33–17a–1 to 33-17a-11 contain no marine exemptions. File (inland marine) File (inland marine)
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 File
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 26-35-201 contain no marine exemptions. No filing required File (inland marine)
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. File File
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. 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 http://ltg.gov.vi/banking-and-insurance-faqs.html) File

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