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. § 21.42.010(3) exempts wet marine and transportation insurance.
Alaska Stat. § 21.42.120(a) exempts specially rated inland marine risks.
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.
Mo. Rev. Stat. § 379.316 exempts marine, but not inland marine, insurance.
Ocean and inland marine are not identified as the types of risk that expressly require form filing prior to use under Mo. Rev. Stat. § 375.920. Instead, the statute contemplates only individual, consumer-oriented risk.
Instead, the statute contemplates only individual, consumer-oriented risk.
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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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.
S.C. Code Ann. §38-73-20(b)(2) Exempts marine insurance.
SC Code Ann. Regs 69-64 exempts commercial policies including inland marine.
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.
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.
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.
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)
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.
Wyo. Stat. Ann. § 26-14-102(a)(v) exempts Insurance of vessels or craft, their cargoes, marine builders' risks, marine protection and indemnity, or other risks commonly insured under marine, as distinguished from inland marine, insurance policies.
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).