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Inland Marine Insurance in Arizona

Arizona's rule sets separate conditions for two kinds of domestic shipment. For goods on consignment for sale or distribution, exhibition, trial, approval, or auction, it describes transit, custody by others, and return, when transportation hazards are insured; consigned goods at the consignor's premises are excluded from that category. For nonconsigned domestic shipments, it requires transportation hazards and a journey beginning and ending in the United States, and excludes manufacturing premises and arrival at premises owned, leased, or operated by the insured or purchaser. Builders' and installation risks have a separate worksite, transit, and temporary-storage classification, limited to policies insuring perils beyond Fire and Extended Coverage. These classifications do not promise coverage under a particular policy. Map each item's owner, shipment type, location, work phase, and transit leg before binding. 1,2

What Is Tools, Equipment And Inland Marine?

If your business moves equipment between sites or ships goods, inland marine can cover those property exposures; installation and other forms address different property categories. Match the quote to what you own, rent or hold for others. Read the national Tools, equipment and inland marine guide.

What to Watch for in Arizona

  • Name both ends of a shipment

    For a domestic shipment not on consignment, Arizona's rule requires transportation hazards and a journey beginning and ending within the United States; it excludes the manufacturing premises and arrival at premises owned, leased, or operated by the insured or purchaser. Ask the insurer to identify the origin, destination, unloading point, and later storage locations in the proposed form. These endpoint terms do not describe the separate consignment category. 2

  • Consignment can change the location question

    For goods on consignment for sale or distribution, exhibition, trial, approval, or auction, Arizona's rule describes transit, another party's custody, and return when the issuing company's coverage includes transportation hazards. It excludes domestic consignments on premises owned, leased, or operated by the consignor. If you consign samples, equipment, or goods, ask how the policy treats each custody period and the consignor's premises. 2

  • Separate installation from completed property

    Arizona's rule describes builders' or installation risks for an owner's, seller's, or contractor's interest in machinery, equipment, materials, or supplies during installation, testing, building, renovation, or repair; a policy may cover work locations, transit, and temporary storage for property awaiting that work. This category is limited to policies insuring perils in addition to Fire and Extended Coverage. The rule describes different ending points for owners and sellers or contractors. Give the insurer the project phase, each party's interest, and the completion or acceptance milestone; the classification does not itself insure the project. 2

Who Regulates Insurance in Arizona

Arizona Department of Insurance and Financial Institutions

Arizona DIFI regulates insurance companies and insurance professionals, including producers and surplus-lines brokers. Its license search covers both individual or business licensees and insurance companies, and its complaint page explains how to file with the Department. 3,4,5

Surplus-lines tax and stamping office

Reported tax rate: 3% of gross premium and taxable policy fees, less returns; stamping fee rate not verified When Arizona is the insured’s home state, the tax is 3% of gross premium and taxable policy fees, less returned premium; the statute excludes stamping fees from that tax base. For a multistate risk, Arizona’s share is allocated by exposure under the statute. Arizona's surplus-lines policy notice says these policies do not receive guaranty-fund protection. Current stamping-fee amount was not independently confirmed from readable current evidence and is omitted. 6,8,10,11

The Surplus Line Association of Arizona

  • Arizona has an exempt-commercial-purchaser search exception: A surplus-lines broker generally must make diligent effort to place an Arizona risk in the admitted market. For an exempt commercial purchaser, federal law removes that search only after the broker discloses the admitted-market protection difference and the purchaser then asks in writing for nonadmitted coverage. 7,9

Providers With Documented State Licenses

These providers publish a national listing for Tools, equipment and inland marine; the state records document licenses for the entities and roles shown below. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm the product is available in Arizona. Check the regulator’s license lookup and confirm state availability for your business when requesting a quote.

  • RisklyticsRisklytics, Inc.Insurance producer · checked 2026-09-28Risklytics’ licensing page lists its Massachusetts resident agency license plus state license records in Arizona, Colorado, Illinois, Indiana, New Jersey, Ohio, Texas and Washington; it identifies the NPN record date as September 10, 2026. This list is company-published and not a product availability map. 17
  • TechInsuranceSpecialty Program Group LLCInsurance producer · checked 2026-09-28TechInsurance’s current licensing page names Specialty Program Group LLC / SPG Insurance Solutions and lists state license numbers, but labels Rhode Island “Individual licenses” rather than identifying a license for the named agency. RI is omitted because this disclosure does not establish agency authority there; this is a search limitation, not an assertion that the company is unlicensed. The remaining state entries are company-reported and are not an insurance product availability map. 18

Questions to Ask Before You Buy in Arizona

  1. Does the policy cover each listed item from pickup through transit, unloading, temporary storage, installation, and return?
  2. Which locations count as the insured's, buyer's, consignor's, or customer's premises under this policy?
  3. For a job or installation, whose financial interest is insured, and when does each party's coverage end?
  4. Are customer-owned, rented, or consigned items insured separately from equipment your business owns?

Tools, Equipment And Inland Marine in Arizona: FAQ

Does Arizona's marine-insurance statute promise that my equipment is covered? 1

No. The statute classifies kinds of marine and transportation insurance. The policy's insured-property terms, limits, exclusions, and conditions determine whether your equipment is covered for a particular loss. 1

Does Arizona's rule treat consigned goods as in transit while they are at the consignor's premises? 2

Its domestic-shipment provision says no for consignments on premises owned, leased, or operated by the consignor. Ask the insurer to identify the policy wording for other locations and custody periods. 2

Tools, Equipment And Inland Marine in Other States

Other Coverage in Arizona

Sources

  1. Arizona Revised Statutes § 20-255: Marine and Transportation Insurance Defined. Arizona State Legislature; Paragraphs 1–7; current compilation notes revisions through the 57th Legislature, 2nd Regular Session and a next update after the 2026 session. Accessed 2026-09-28.
  2. Arizona Administrative Code, Title 20, Chapter 6, Department of Insurance and Financial Institutions. Arizona Secretary of State, Administrative Rules Division; Supp. 26-1, March 31, 2026, R20-6-602(A), (B)(1)–(3), (B)(6)(i)–(k), and (C), PDF pages 47–49; section amended effective April 18, 2026. Accessed 2026-09-28.
  3. Arizona Department of Insurance and Financial Institutions. Arizona Department of Insurance and Financial Institutions; Official agency homepage. Accessed 2026-09-28.
  4. License Search. Arizona Department of Insurance and Financial Institutions; Search for individual or business licensees and insurance companies; insurer surplus-lines eligibility links. Accessed 2026-09-28.
  5. File a Complaint. Arizona Department of Insurance and Financial Institutions; Department complaint information and filing destinations. Accessed 2026-09-28.
  6. A.R.S. § 20-416: Tax on surplus lines. Arizona State Legislature; Subsection C sets the surplus-lines tax at 3% of gross premiums and requires the broker to collect it from the insured. Accessed 2026-09-28.
  7. Arizona House Bill 2111, Chapter 38. Arizona Legislature; Arizona House Bill 2111 (amending § 20-408) and current A.R.S. § 20-410 policy notice; see statutory notice. Accessed 2026-09-28.
  8. 15 U.S.C. § 8205: Streamlined application for commercial purchasers. U.S. House of Representatives, Office of the Law Revision Counsel; Broker's due-diligence search exception for an exempt commercial purchaser requires prior disclosure that admitted-market insurance may offer greater protection/regulatory oversight and the purchaser's subsequent written request for nonadmitted placement. Accessed 2026-09-28.
  9. A.R.S. § 20-410: Validity, disclosure, policy fees. Arizona State Legislature; Subsection B requires surplus-lines notices to state insureds/claimants are ineligible for Arizona guaranty-fund protection for both foreign and domestic surplus-lines insurers; subsection C says taxes under § 20-416 apply to broker service fees. Accessed 2026-09-28.
  10. 15 U.S.C. § 8202: Regulation of nonadmitted insurance by insured's home State. U.S. House of Representatives, Office of the Law Revision Counsel; § 8202(a): nonadmitted placement is subject solely to insured's home-State requirements, except as otherwise provided; § 8201 addresses exclusive home-State tax authority. Accessed 2026-09-28.
  11. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  12. Licenses and Carriers. Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535. Accessed 2026-09-22.
  13. Insurance Producer Licenses. Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown. Accessed 2026-09-28.
  14. About Hiscox US Insurance. Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
  15. Licenses. ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885. Accessed 2026-09-28.
  16. About Risklytics. Risklytics; What we do; Who we insure; Licensing; Agency licenses table dated 2026-09-10. Accessed 2026-09-16.
  17. Insurance Licenses by State. TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number. Accessed 2026-09-28.
  18. Licenses. Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict. Accessed 2026-09-15.

Updated .

This guide is informational and does not determine whether a policy is available or meets your needs. Editorial policy. To suggest a correction, contact Spot with a supporting source.

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