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STATE RATES FORMS FILING CHART

Last Updated: June 2026

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.

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Browse the entire list of states or select a U.S. state or territory by entering part of the name in the Search form below.

Alabama
RATES: Ala. Code § 27-13-21 exempts marine insurance. Ala. Code § 27-13-22 applies some requirements to inland marine insurance.
FORMS: Ala. Code § 27-14-2(3) exempts wet marine and transportation insurance. Ala. Code § 27-14-8(a) exempts specially rated inland marine risks.
CACELLATION NON-RENEWAL CITES Title 27 of the Ala. Code includes no express provisions generally precluding or limiting cancellation/non-renewal of P&C policies, including marine. 
PLEASURECRAFT RATES/RULES: Inland marine vessels for pleasure, not business, must file if less than 16 feet. Ala. Admin. Code 482-1-039.01.
PLEASURECRAFT FORMS: Inland marine vessels for pleasure, not business, must file if less than 16 feet. Ala. Admin. Code 482-1-039.01
Alaska
RATES: 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.
FORMS: Alaska Stat. § 21.42.010(3) exempts wet marine and transportation insurance.
Alaska Stat. § 21.42.120(a) exempts specially rated inland marine risks. 
CACELLATION NON-RENEWAL CITES 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. 
PLEASURECRAFT RATES/RULES: No filing required.
PLEASURECRAFT FORMS: No filing required.
Arizona
RATES:  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. § 20-385(A) provides: "Except as to marine, inland marine and transportation risks, which by general custom of the business are not written according to manual rates and rating plans, and except as provided in subsection F of this section or § 20-400.10, every authorized insurer and every rate service organization . . . shall file with the director all rates and supplementary rate information and all changes and amendments to those rates made by it for use in this state within thirty days after they become effective."
FORMS: 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.
CACELLATION NON-RENEWAL CITES 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. 
PLEASURECRAFT RATES/RULES: No filing required
If classified as traditional ocean marine insurance (as opposed to inland marine), pleasurecraft rates would be exempt from filing requirements under §§ 20-342(A)(6), 20-382(A)(3), and 20-385(A) AZ ST § 20-342, AZ ST § 20-382, AZ ST § 20-385. However, whether pleasurecraft insurance is “commonly insured under marine, as distinguished from inland marine, insurance policies” (AZ ST § 20-342, AZ ST § 20-382) should be analyzed.
PLEASURECRAFT FORMS: No filing required.
If pleasurecraft qualify as “inland marine risks that by general custom of the business are not written according to manual rates or rating plans,” they would be exempt from form filing under § 20-398 AZ ST § 20-398. Moreover, if classified as traditional marine insurance under § 20-1101(3), they would also be exempt from general filing requirements AZ ST § 20-1101.
Arkansas
RATES: Ark. Code Ann. § 23-67-203(4) exempts oceans marine insurance. Ark. Code Ann. § 23-67-206(a) exempts property and casualty insurance for commercial risk in a competitive market.
FORMS: Ark. Code Ann. § 23-79-102(3) exempts wet marine and foreign trade insurance. Ark. Code Ann. § 23-79-109(b)(i) exempts large commercial risks.
Wet marine and foreign trade insurance policies are not subject to the form filing, approval, or related regulatory requirements that apply to other lines of insurance.
CACELLATION NON-RENEWAL CITES Ark. Code Ann. § 23-66-206(15) contains no marine exemptions.
PLEASURECRAFT RATES/RULES: No filing required
PLEASURECRAFT FORMS: No filing required.
California
RATES: Cal. Ins. Code § 1851(c) exempts marine, but not inland marine insurance.
FORMS: Code contains no applicable filing requirements.
CACELLATION NON-RENEWAL CITES Cal. Ins. Code § 675.5(d)(5) exempts commercial ocean marine insurance.
Section 675.5 governs cancellation and failure to renew certain property insurance policies, applying specifically to "policies of commercial insurance" issued or renewed on or after January 1, 1987 CA INS § 675.5.
PLEASURECRAFT RATES/RULES: File (inland marine). Cal. Ins. Code § 1851(c).

Section 1851(c) exempts only "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.
PLEASURECRAFT FORMS: No filing required.
Colorado
RATES: Colo. Rev. Stat. § 10-4-1401 exempts insurers negotiating with and insuring sophisticated commercial entities. 3 Colo. Regs §702-5:5-1-10(3) exempts ocean marine.
FORMS: Colo. Rev. Stat. § 10-4-1401 exempts insurers negotiating with and insuring sophisticated commercial entities.
CACELLATION NON-RENEWAL CITES Colo. Rev. Stat. §§ 10-4-109.7, 10-4-110 contain no marine exemptions.

Statutes explicitly includes "inland marine" insurance within their scope of coverage but provide no corresponding exemptions for marine insurance of any type.
PLEASURECRAFT RATES/RULES: No filing required.
PLEASURECRAFT FORMS: No filing required.
Connecticut
RATES: Conn. Gen. Stat. § 38a-664(4) exempts marine insurance. Conn. Gen. Stat. §38a-676(a) exempts inland marine risks which by general custom of the business are not written according to manual rates or rating plans.
FORMS: Conn. Gen. Stat. § 38a-664(4) exempts marine insurance. Conn. Gen. Stat. § 38a-676(c) exempts inland marine insurance which by general custom of the business are not written according to manual rates or rating plans.
Subsection (c) requires form filing for all insurance policies whose rates are subject to the statutory provisions, without any carve-out for inland marine insurance. 
CACELLATION NON-RENEWAL CITES Conn. Gen. Stat. §§ 38a-324, 38a-323 contain no marine exemptions with regard to cancellation and non-renewal requirements.
PLEASURECRAFT RATES/RULES: No filing required.
For rates, Conn. Gen. Stat. § 38a-676(a) exempts inland marine risks "which by general custom of the business are not written according to manual rates or rating plans" from rate filing requirements CT ST § 38a-676.
PLEASURECRAFT FORMS: No filing required.
For forms, there is no exemption for other inland marine insurance forms, which must be filed under § 38a-676(c) regardless of how the rates are determined.
Delaware
RATES: Del. Code Ann. tit. 18 § 2502(b)(2) exempts marine insurance. Del. Code Ann. tit. 18 § 2504 exempts inland marine risk which by general custom of the business are not written according to manual rates or rating plans.
FORMS: Del. Code Ann. tit. 18 § 2701(3) exempts wet marine and transportation insurance. Del Code Ann. tit. 18 § 2712(a) exempts specially rated inland marine risks
CACELLATION NON-RENEWAL CITES Del. Code Ann. tit 18 § 4120 exempts inland marine insurance and any insurance that is not residential or personal.
PLEASURECRAFT RATES/RULES: No filing required.
PLEASURECRAFT FORMS: No filing needed.
District of Columbia
RATES: D.C. Code § 31-2702(1) exempts marine insurance. D.C. Code § 31-2704(a) exempts inland marine risks which are not made by a rating organization and which by general custom of the business are not written according to manual rates or rating plans.
FORMS: Code contains no form filing requirements for ocean marine risk. D.C. Code § 31-2714(a) also removes form filing requirements if insurer is insuring "exempt commercial risks," which are large entities defined at D.C. Code § 31-2701(7).
CACELLATION NON-RENEWAL CITES D.C. Code includes no express provisions generally precluding or limiting cancellation/non-renewal of P&C policies including marine.
PLEASURECRAFT RATES/RULES: No filing required.
PLEASURECRAFT FORMS: File (inland marine). D.C. Code § 31-2714.
Florida
RATES: Fla. Stat. § 627.021(2)(c),(d) exempts marine, including inland marine, insurance.

The inland marine exemption under subsection (2)(d) applies only to commercial inland marine insurance; personal inland marine insurance remains subject to rate filing requirements.
FORMS: Fla. Stat. § 627.401(3) exempts wet marine and transportation insurance.
CACELLATION NON-RENEWAL CITES Fla. Stat. § 627.4133(a) and § 627.4133(b) exempts marine insurance from providing written notice of cancellation or termination other than nonrenewal.
PLEASURECRAFT RATES/RULES: File for all personal inland marine risks, but not commercial inland marine risks. Fla. Admin. Code 69O-167.024(2)(b).
PLEASURECRAFT FORMS: Fla. Stat. § 627.401(3) exempts wet marine and transportation insurance. See Fla. Stat. § 624.607 for definition of “wet marine and transportation insurance.”
Georgia
RATES: Ga. Code Ann. § 33-9-3(a)(4) exempts marine, but not transportation, insurance.
FORMS: 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.
CACELLATION NON-RENEWAL CITES Ga. Code Ann. § 33-24-2(3) exempts ocean marine and foreign trade insurance.
PLEASURECRAFT RATES/RULES: No filing required.
PLEASURECRAFT FORMS: No filing required.
Guam
RATES: Guam Code Ann. §18501 contains no marine exemptions.
FORMS: Guam Code Ann. §18308 contains no marine exemptions.
CACELLATION NON-RENEWAL CITES Code contains no provisions dealing with cancellation and non-renewal.
PLEASURECRAFT RATES/RULES: Filing required. Guam Code Ann. §18501.
PLEASURECRAFT FORMS: Filing required. Guam Code Ann. §18308.
Hawaii
RATES: Haw. Rev. Stat. § 431:14-102(b)(4) exempts marine insurance. Haw. Rev. Stat. §431:14-104(a) exempts specific inland marine risks which by general custom of the business are not written according to manual rate or rating plans.
FORMS: Haw. Rev. Stat. § 431:10-201 exempts ocean marine insurance.
CACELLATION NON-RENEWAL CITES Haw. Rev. Stat. § 431:10-201 exempts ocean marine insurance.
PLEASURECRAFT RATES/RULES: No filing required.
PLEASURECRAFT FORMS: No filing required.
Idaho
RATES: Idaho Code Ann. § 41-1401(3)(b) exempts marine, but not inland marine, insurance.
FORMS: Idaho Code Ann. § 41-1801 exempts wet marine and transportation insurance.
CACELLATION NON-RENEWAL CITES Idaho Code Ann. § 41-1801 exempts wet marine and transportation insurance.
PLEASURECRAFT RATES/RULES: No filing required.
PLEASURECRAFT FORMS: File (inland marine). Idaho Code Ann. § 41-1401(3)(b).
Illinois
RATES: 50 IL Adm. Code 754.10 exempts marine, but not group inland marine, insurance.
FORMS: 215 Ill. Comp. Stat. 5/143 contains no marine exemptions, although it does exempt “riders or endorsements prepared to meet special, unusual, peculiar, or extraordinary conditions applying to an individual risk.” Ill. Admin Code tit. 50 § 2302.20(b) exempts group inland marine insurance issued for business purposes.
CACELLATION NON-RENEWAL CITES 215 Ill. Comp. Stat. 5/143.11, 5/143.17, 5/143.17a exempt ocean marine insurance.
PLEASURECRAFT RATES/RULES: No rate filing required.
PLEASURECRAFT FORMS: Filing required. 50 Ill. Adm. Code 101.30. Form filing required.
Indiana
RATES: Ind. Code. § 27-1-22-2(a)(3) exempts marine insurance. Some additional exceptions to rate filing requirements for inland marine policies can be found in Ind. Code § 27-1-22-(g). See also Ind. Code § 27-1-22-4(b)(1).
FORMS: Ind. Code § 27-1-22-2(a)(3) exempts ocean marine from the general form filing requirement contained in Ind. Code § 27-1-22-4(n).
CACELLATION NON-RENEWAL CITES Ind. Code § 27-1-31-1 contains no marine exemptions.
PLEASURECRAFT RATES/RULES: File (inland marine). Ind. Code § 27-1-22-2.
PLEASURECRAFT FORMS: No filing required
Iowa
RATES: Iowa Code § 515F.3(2)(c) exempts marine, but not inland marine, insurance. Some additional exceptions to rate filing requirements for inland marine policies can be found in Iowa Code § 515F.5(1)(a).
FORMS: IAC 191-20.11 contains no marine exemptions for form filings. However, individually negotiated (i.e. manuscript) policies are exempt.
CACELLATION NON-RENEWAL CITES Iowa Code §§ 515.126-515.129c contain no marine exemptions for cancellation/non-renewal requirements
PLEASURECRAFT RATES/RULES: No filing required
PLEASURECRAFT FORMS: No filing required
Kansas
RATES: 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." 
FORMS: 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 specifically apply to marine or inland marine policy and endorsement forms that “contain standardized wording;” but individually negotiated (i.e. manuscript) policies are exempt.
CACELLATION NON-RENEWAL CITES  Kan. Stat. Ann. §§ 40-2,120 to 2,122 contain no marine exemptions.
PLEASURECRAFT RATES/RULES: Filing required. Kan. Stat. Ann. § 40-955.
PLEASURECRAFT FORMS: Filing required. Kan. Stat. Ann. § 40-955.
Kentucky
RATES: Ky. Rev. Stat. Ann. § 304.13-021(3) exempts wet marine and transportation insurance.
FORMS: Ky. Rev. Stat. Ann. § 304.14-010(3) exempts wet marine and transportation insurance.
CACELLATION NON-RENEWAL CITES Ky. Rev. Stat. Ann. §§ 304.20-300 to 304.20-385 contain no marine exemptions. 
PLEASURECRAFT RATES/RULES: Filing not required (inland marine). Ky. Rev. Stat. Ann. § 304.13-021(3).
PLEASURECRAFT FORMS: Filing not required (inland marine). Ky. Rev. Stat. Ann. § 304.14-010(3).
Louisiana
RATES: La. Rev. Stat. Ann. § 22:1456(C)(2) exempts marine, but not inland marine, insurance.
FORMS: La. Rev. Stat. Ann. § 22:851 exempts ocean marine and foreign trade insurance. See also La. Rev. Stat. Ann. § 22:856.
CACELLATION NON-RENEWAL CITES La. Rev. Stat. Ann. § 22:851 exempts ocean marine and foreign trade insurance.
PLEASURECRAFT RATES/RULES: File (inland marine). La. Rev. Stat. Ann. § 22:1456. See also La. Rev. Stat. Ann. §22:47(13).
PLEASURECRAFT FORMS: File (inland marine). La. Rev. Stat. Ann. § 22:851
Maine
RATES: Me. Rev. Stat. tit. 24A §2302(2)(C) exempts marine, but not inland marine, insurance.
FORMS: Me. Rev. Stat. tit. 24A §2401(3) exempts wet marine and transportation insurance.
CACELLATION NON-RENEWAL CITES Me. Rev. Stat. tit. 24A §§ 2901, 2908 contain no marine exemptions.
PLEASURECRAFT RATES/RULES: File (inland marine). Me. Rev. Stat. tit. 24A, § 2302(2)(c).
PLEASURECRAFT FORMS: File (inland marine). Me. Rev. Stat. tit. 24A, § 2302(2)(c).
Maryland
RATES: Md. Code Ann., Ins. §§ 11-202(b)(2), 11-303(a)(4) exempt marine, but not inland marine, insurance. 
FORMS: Md. Code Ann., Ins. § 12-101 exempts wet marine and transportation insurance.
CACELLATION NON-RENEWAL CITES Md. Code Ann., Ins. §§ 27-601 to 27-614 contain no marine exemptions.
PLEASURECRAFT RATES/RULES: 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). Pleasurecraft covered under traditional marine insurance policies are exempt from filing requirements, while those classified as inland marine insurance must file pursuant to § 11-202.
PLEASURECRAFT FORMS: File (inland marine). Md. Code Ann., Ins. § 12-101.
Pleasurecraft classified as inland marine insurance under Md. Code Regs. 31.08.06.02 (boats not exceeding 16 feet in length for pleasure use) would not qualify for the wet marine and transportation insurance exemption. The regulatory classification as "inland marine" insurance distinguishes these policies from the traditional marine insurance categories that qualify for the Title 12 exemption.
Massachusetts
RATES: Mass. Gen. Laws ch. 174A § 4(b) exempts marine, but not inland marine, insurance.
FORMS: Mass. Gen. Laws. ch. 175 § 2B exempts policies that are not delivered to more than 50 policyholders; Mass. Gen. Laws Ann. ch 175, § 224(b) exempts “large commercial policyholders.”
CACELLATION NON-RENEWAL CITES Mass. Gen. Laws. ch. 175 § 187C contains no marine exemptions.
PLEASURECRAFT RATES/RULES: No filing required
PLEASURECRAFT FORMS: Filing required. Mass. Gen. Laws. ch. 175 § 2B.
Michigan
RATES: Mich. Comp. Laws § 500.2601(3)(b) exempts imports, exports, and domestic shipments, and any vessels and watercraft that are (1) under construction, or (2) owned by or used in a business, or (3) having a straight-line hull length of more than 24 feet.
FORMS: Mich. Comp. Laws § 500.2236(8)(b) exempts vessels and watercrafts with a straight-line hull length of more than 24 feet.
CACELLATION NON-RENEWAL CITES Mich. Code includes no express provisions generally precluding or limiting cancellation/non-renewal of P&C policies including marine. 
PLEASURECRAFT RATES/RULES: File (if less than 24 feet). Mich. Comp. Laws § 2601.
PLEASURECRAFT FORMS: File (if less than 24 feet). Mich. Comp. Laws § 500.2236.
Minnesota
RATES: Minn. Stat. § 70A.02 exempts marine insurance.  Also exempts inland marine insurance under certain circumstances.  See Minn. Stat. § 70A.02.
FORMS: Minn. Stat. § 70A.02 exempts marine insurance. Also exempts inland marine insurance under certain circumstances.  See Minn. Stat. § 70A.02(3).
CACELLATION NON-RENEWAL CITES Minn. Stat. § 60A.35 exempts ocean marine insurance.
PLEASURECRAFT RATES/RULES: Filing not required, except for certain inland marine risks. See Minn. Stat. § 70A.02(3).
PLEASURECRAFT FORMS: Filing not required, except for certain inland marine risks. See Minn. Stat. § 70A.02(3).
Mississippi
RATES: Miss. Code Ann. § 83-2-1(1)(b) exempts ocean marine insurance.
FORMS: Miss. Code Ann. § 83-2-1(1)(b) exempts ocean marine insurance.
CACELLATION NON-RENEWAL CITES Miss. Code. Ann. § 83-5-28 contains no marine exemption from its requirements.
PLEASURECRAFT RATES/RULES: File (inland marine). Miss. Code Ann. § 83-2-1(1)(b).
PLEASURECRAFT FORMS: File (inland marine). Miss. Code Ann. § 83-2-1(1)(b).
Missouri
RATES: Mo. Rev. Stat. § 379.316 exempts marine, but not inland marine, insurance.
FORMS: 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.
CACELLATION NON-RENEWAL CITES 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.
PLEASURECRAFT RATES/RULES: File (inland marine). Mo. Rev. Stat. § 379.316.
PLEASURECRAFT FORMS: File (inland marine). Mo. Rev. Stat. § 379.316.
Montana
RATES: Mont. Code Ann. § 33-16-103(5) exempts marine, but not inland marine, insurance.
FORMS: Mont. Code Ann. § 33-1-501(9)(c) exempts ocean marine and foreign trade insurance.
CACELLATION NON-RENEWAL CITES Mont. Code Ann. §§ 33-15-1101 to 33-15-1121 contain no marine exemptions.
PLEASURECRAFT RATES/RULES: File (inland marine). Mont. Code Ann. § 33-16-103(5).
PLEASURECRAFT FORMS: File (inland marine). Mont. Code Ann. § 33-16-103(5).
Nebraska
RATES: 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.
FORMS: Neb. Rev. Stat. § 44-7505(2)(b) exempts ocean marine insurance.
CACELLATION NON-RENEWAL CITES 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.
PLEASURECRAFT RATES/RULES: File (inland marine). Neb. Rev. Stat. § 44-7505(2)(b).
PLEASURECRAFT FORMS: File (inland marine). Neb. Rev. Stat. § 44-7505(2)(b).
Notes: 
1
(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.
Nevada
RATES: Nev. Rev. Stat. § 686B.030(1)(a) exempts ocean marine, but not inland marine, insurance
FORMS: Nev. Rev. Stat. § 687B.010(3) exempts wet marine and transportation insurance.
CACELLATION NON-RENEWAL CITES Nev. Rev. Stat. § 687B.010(3) exempts wet marine and transportation insurance.
PLEASURECRAFT RATES/RULES: File (inland marine). Nev. Rev. Stat. § 686B.030(1)(a).
PLEASURECRAFT FORMS: File (inland marine). Nev. Rev. Stat. § 686B.030(1)(a).
New Hampshire
RATES: N.H. Rev. Stat. Ann. § 412:2(II)(d) exempts ocean marine insurance.
FORMS: N.H. Rev. Stat. Ann. § 412:2(II)(d) exempts ocean marine insurance.
CACELLATION NON-RENEWAL CITES N.H. Rev. Stat. Ann. § § 417-C:2 to 417-C:3 includes no express provisions generally precluding or limiting cancellation/non-renewal of marine policies.
PLEASURECRAFT RATES/RULES: File (inland marine). N.H. Rev. Stat. Ann. § 412:2(II)(d).
PLEASURECRAFT FORMS: File (inland marine). N.H. Rev. Stat. Ann. § 412:2(II)(d).
New Jersey
RATES: 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."
FORMS: N.J. Rev. Stat. § 17:29AA-3(a)(1) exempts marine, but not inland marine, insurance.
CACELLATION NON-RENEWAL CITES N.J. Admin. Code §§ 11:1-20.1, 11:1-22.1 exempt ocean marine insurance.
PLEASURECRAFT RATES/RULES: File (inland marine). N.J. Rev. Stat. § 17:29A-25.
PLEASURECRAFT FORMS: File (inland marine). N.J. Rev. Stat. § 17:29A-25.
New Mexico
RATES: N.M. Stat. Ann. § 59A-17-2(A)(1) exempts wet marine and transportation insurance.
FORMS: N.M. Stat. Ann. § 59A-18-1(C) exempts wet marine and transportation insurance.
CACELLATION NON-RENEWAL CITES 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.
PLEASURECRAFT RATES/RULES: File (inland marine). N.M. Stat. Ann. § 59A-17-2(A)(1).
PLEASURECRAFT FORMS: File (inland marine). N.M. Stat. Ann. § 59A-17-2(A)(1).
Notes: 
____________________________________________________________
1
(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.
New York
RATES: N.Y. Ins. Law § 2302(a)(4), (5) exempts marine, but not inland marine, insurance.
FORMS: 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."
CACELLATION NON-RENEWAL CITES N.Y. Ins. Law § 3426(l)(2) exempts "principally marine" insurance.
PLEASURECRAFT RATES/RULES: File (inland marine). N.Y. Ins. Law § 2302(a)(4).
PLEASURECRAFT FORMS: File (inland marine). N.Y. Ins. Law § 2302(a)(4).
Notes: 
____________________________________________________________
1
(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.
North Carolina
RATES: 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."
FORMS: N.C. Gen. Stat. § 58-41-10(a) exempts marine as defined by G.S. 58-40-15(3) and personal inland marine insurance.  
CACELLATION NON-RENEWAL CITES N.C. Gen. Stat. § 58-41-10(a) exempts marine and personal inland marine insurance.
PLEASURECRAFT RATES/RULES: File (inland marine). N.C. Gen. Stat. § 58-40-15(3).
Specifically “. . . inland marine insurance that is not written according to manual rates and rating plans.” N.C.G.S.A. § 58-40-30(a)
PLEASURECRAFT FORMS: File (inland marine). N.C. Gen. Stat. § 58-40-15(3).
North Dakota
RATES: N.D. Cent. Code § 26.1-25-02(1)(c) exempts ocean marine, but not inland marine, insurance.
FORMS: N.D. Cent. Code § 26.1-25-02(1)(c) exempts ocean marine from the general form filing requirement contained in N.D. Cent. Code § 26.1-30-19(4).
CACELLATION NON-RENEWAL CITES N.D. Cent. Code § 26.1-30.1-01 exempts inland marine insurance.
PLEASURECRAFT RATES/RULES: File (inland marine). N.D. Cent. Code § 26.1-25-02(1)(c).
PLEASURECRAFT FORMS: Filing required. N.D. Cent. Code § 26.1-30-19.
Note: no insurance policy may be issued in North Dakota until the form has been filed with and approved by the commissioner. ND ST 26.1-30-19(4)
Ohio
RATES: Ohio Rev. Code Ann. § 3935.02(B) exempts marine, but not inland marine, insurance.
FORMS: Ohio Code includes no applicable filing requirements for marine insurance. See Ohio Rev. Code Ann. § 3902.02. 
CACELLATION NON-RENEWAL CITES Ohio Rev. Code Ann. §§ 3937.25- 3937.26 includes no express provision generally precluding or limiting cancellation/non-renewal of marine policies.
PLEASURECRAFT RATES/RULES: File (inland marine). Ohio Rev. Code Ann. § 3935.02(B).
PLEASURECRAFT FORMS: Ohio Code contains no applicable filing requirements. See Ohio Rev. Code Ann. § 3902.02.
Oklahoma
RATES: Okla. Stat. tit. 36 §983(4) exempts ocean marine, but not inland marine, insurance.
FORMS: Okla. Stat. tit. 36 § 3601(3) exempts ocean marine and foreign trade insurance.
CACELLATION NON-RENEWAL CITES Okla. Stat. tit. 36 § 3601(3) exempts ocean marine and foreign trade insurance.
PLEASURECRAFT RATES/RULES: Filing required.  Okla. Stat. tit. 36 §§ 900.1-908.
PLEASURECRAFT FORMS: File (inland marine). Okla. Stat. tit. 36 § 3601(3).
Oregon
RATES: Or. Rev. Stat. §737.035(3) exempts wet marine and transportation insurance.
FORMS:  Or. Rev. Stat. §742.001(2) exempts wet marine and transportation insurance.
CACELLATION NON-RENEWAL CITES Or. Rev. Stat. §742.001(2) exempts wet marine and transportation insurance.
PLEASURECRAFT RATES/RULES: File (inland marine). Or. Rev. Stat. §737.035(3).
PLEASURECRAFT FORMS: File (inland marine). Or. Rev. Stat. §742.001(2).
Pennsylvania
RATES: 40 Pa. Stat. Ann. §1222(b) exempts marine, but not inland marine, insurance.
FORMS: 40 Pa. Stat. Ann. § 710-4(b)(2) exempts marine, but not inland marine, insurance.
CACELLATION NON-RENEWAL CITES 40 Pa. Stat. Ann. § 3403 includes no express provisions generally precluding or limiting cancellation/non-renewal of marine policies.
PLEASURECRAFT RATES/RULES: File (inland marine). 40 Pa. Stat. Ann. §1222(b).
PLEASURECRAFT FORMS: File (inland marine). 40 Pa. Stat. Ann. § 710-4(b)(2).
Puerto Rico
RATES: P.R. Laws Ann. tit. 26 §1202(e) exempts marine, but not inland marine, insurance.
FORMS: P.R. Laws Ann. tit. 26 § 1101 exempts ocean marine and foreign trade insurance.
CACELLATION NON-RENEWAL CITES P.R. Laws Ann. tit. 26 § 1101 exempts ocean marine and foreign trade insurance.
PLEASURECRAFT RATES/RULES: File (inland marine). P.R. Laws Ann. tit. 26 §1202(e).
PLEASURECRAFT FORMS: File (inland marine). P.R. Laws Ann. tit. 26 § 1101.
Rhode Island
RATES: R.I. Gen. Laws §27-6-2(b)(2) exempts marine, but not inland marine, insurance. 
FORMS: R.I. Gen. Laws § 27-44-3(a)(4) exempts ocean marine insurance.
CACELLATION NON-RENEWAL CITES 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.
PLEASURECRAFT RATES/RULES: File (inland marine). R.I. Gen. Laws §27-6-2(b)(2).
PLEASURECRAFT FORMS: File (inland marine). R.I. Gen. Laws § 27-44-3(a)(4).
South Carolina
RATES: 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.
FORMS: S.C. Code Ann. Regs. 69-64(D) allows insurers to use any commercial insurance form without pre-filing requirements. Code also requires notification to the Department for forms that have not been previously filed by an insurer. Notification occurs after use begins.
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.”
CACELLATION NON-RENEWAL CITES S.C. Code Ann. § 38-75-710 contains no marine exemptions.
PLEASURECRAFT RATES/RULES: Filing required. S.C. Code Ann. § 38-73-340.
PLEASURECRAFT FORMS: Filing required. S.C. Code Ann. Regs. 69-64.
South Dakota
RATES: S.D. Codified Laws § 58-24-3(4) exempts marine, but not inland marine, insurance.
FORMS: 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."
CACELLATION NON-RENEWAL CITES 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.
PLEASURECRAFT RATES/RULES: File (inland marine). S.D. Codified Laws § 58-24-3(4). 
PLEASURECRAFT FORMS: File (inland marine). S.D. Codified Laws § 58-11-13.  Does not apply to specially rated inland marine risk.
Tennessee
RATES: Tenn. Code. Ann. art. 56-5-101(4) exempts ocean marine insurance.
FORMS: Tenn. Code. Ann. art. 56-5-101(4) does not exempt ocean marine insurance.
CACELLATION NON-RENEWAL CITES 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.
PLEASURECRAFT RATES/RULES: Filing required. Tenn. Code Ann. §§ 56-5-102(7)(E), 56-5-105.
PLEASURECRAFT FORMS: Filing required. Tenn. Code Ann. §§ 56-5-102(7)(E), 56-5-105.
Texas
RATES: Tex. Ins. Code Ann. art. 5.13(c) exempts ocean marine, marine, and noncommercial inland marine insurance.
FORMS:  Tex. Ins. Code Ann. art. 5.13(c) exempts ocean marine, marine, and noncommercial inland marine insurance.
CACELLATION NON-RENEWAL CITES Tex. Ins. Code Ann. § 551.001(a-1)(2) exempt marine, but not inland marine, insurance.
PLEASURECRAFT RATES/RULES: No filing required.
Texas Insurance Code Article 5.13(c) exempts "noncommercial inland marine, ocean marine, marine" insurance from certain regulatory requirements TX INS Art. 5.13, pleasurecraft insurance is not specifically mentioned by name. Will depend on the policy.
PLEASURECRAFT FORMS: No filing required.

Texas Insurance Code Article 5.13(c) exempts "noncommercial inland marine, ocean marine, marine" insurance from certain regulatory requirements TX INS Art. 5.13, pleasurecraft insurance is not specifically mentioned by name. Will depend on the policy.
U.S. Virgin Islands
RATES: 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.
FORMS: V.I. Code Ann. tit. 22 § 801 exempts ocean marine and foreign trade insurance.
CACELLATION NON-RENEWAL CITES V.I. Code Ann. tit. 22 § 801 exempts ocean marine and foreign trade insurance.
PLEASURECRAFT RATES/RULES: No filing required. See V.I. Code Ann. Tit. 22 § 53a.
PLEASURECRAFT FORMS: V.I. Code Ann. Tit. 22 § 810 requires form filing for pleasurecraft policies that are not ocean marine policies.
Utah
RATES: 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."
FORMS: 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
CACELLATION NON-RENEWAL CITES Utah Code Ann. § 31A-1-103(3)(b) exempts ocean marine insurance.
Utah Code Ann. § 31A-21-303.
PLEASURECRAFT RATES/RULES: File (inland marine).  Utah Code Ann. § 31A-1-103(3)(b).
PLEASURECRAFT FORMS: File (inland marine). Utah Code Ann. § 31A-1-103(3)(b).
Vermont
RATES: Vt. Stat. Ann. tit. 8 § 4682(4) exempts ocean marine insurance.
FORMS: Vt. Stat. Ann. tit. 8 § 3541(a) exempts wet marine and transportation insurance, as well as specially rated inland marine risks.
CACELLATION NON-RENEWAL CITES 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.
PLEASURECRAFT RATES/RULES: File (inland marine). Vt. Stat. Ann. tit. 8 § 4682(4).
PLEASURECRAFT FORMS: File (inland marine). Vt. Stat. Ann. tit. 8 § 3541(a).
Virginia
RATES: 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.
Chapter 19 does not apply to "Insurance of vessels or craft used primarily in a trade or business, their cargoes, marine builders' risks and marine protection and indemnity." VA ST § 38.2-1902(B)(8)
FORMS:  Va. Code Ann. § 38.2-300(1) exempts ocean marine insurance. Admin. 9720 exempts private pleasure watercraft 26 feet and over in length.
CACELLATION NON-RENEWAL CITES Va. Code Ann. § 38.2-231 contains no marine exemptions. 
PLEASURECRAFT RATES/RULES: File (inland marine- if less than 26 feet). Va. Code Ann. § 38.2-1906.
PLEASURECRAFT FORMS: File (inland marine- if less than 26 feet). Va. Code Ann. § 38.2-316.
Washington
RATES: 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. Admin. Code § 284-24-080 identifies the specific inland marine risk classes that fall into this mandatory filing category.
FORMS: Wash. Rev. Code § 48.18.010 exempts ocean marine and foreign trade insurance.
CACELLATION NON-RENEWAL CITES Wash. Rev. Code § 48.18.010 exempts ocean marine and foreign trade insurance.
PLEASURECRAFT RATES/RULES: File (inland marine- if less than 26 feet). Wash. Admin. Code § 284-24-080(4).
PLEASURECRAFT FORMS: File (inland marine- if less than 26 feet). Wash. Rev. Code § 48.18.010.
West Virginia
RATES: W. Va. Code § 33-20-2(b)(3) exempts marine, but not inland marine, insurance.
FORMS: W. Va. Code § 33-17-8(b) exempts ocean marine insurance, as well as specially rated inland marine insurance.
CACELLATION NON-RENEWAL CITES W. Va. Code § 33–17a–1 to 33-17a-11 contain no inland marine exemptions.
PLEASURECRAFT RATES/RULES: File (inland marine). W. Va. Code § 33-20-2(b)(3).
PLEASURECRAFT FORMS: File (inland marine). W. Va. Code § 33-17-8(b)
Wisconsin
RATES: Wis. Stat. § 625.03(1)(a) exempts ocean marine insurance. Wis. Admin. Code § Ins. 4.08 exempts inland marine insurance.
FORMS: Wis. Adm. Code § Ins. 6.05(2) exempts ocean marine insurance.
CACELLATION NON-RENEWAL CITES Wis. Stat. § 631.01(3) exempts ocean marine insurance.
PLEASURECRAFT RATES/RULES: No filing required.
PLEASURECRAFT FORMS: Filing required.  Wis. Code. § 631.20.
Wyoming
RATES: 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.
FORMS: Wyo. Stat. Ann. § 26-15-101(a)(iii) exempts wet marine and transportation insurance.
CACELLATION NON-RENEWAL CITES Wyo. Stat. Ann. §§ 26-35-201 to 26-35-204 contain no marine exemptions.
PLEASURECRAFT RATES/RULES: File (inland marine). Wyo. Stat. Ann. § 26-14-102(a)(v)
PLEASURECRAFT FORMS: File (inland marine). Wyo. Stat. Ann. § 26-15-101(a)(iii).