What Inland Marine Insurance Requirements Apply in Connecticut?

For a Connecticut public design-bid-build job, check the bid proposal and project manual for builder's risk, then compare them with the state's current standard insurance clause: contractors must maintain inland marine/transit insurance for property valued over $100,000 while it is rigged, hauled, or at the site pending installation if builder's risk does not afford that coverage. When that coverage is required, the form calls for the State to be named loss payee. This is a contract term for this specified public works form, not a requirement for every Connecticut business. Ask the broker to map each scheduled item and each project phase to builder's risk or transit coverage.

What Is Inland Marine Insurance?

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 Should You Watch for With Inland Marine Insurance in Connecticut?

Read the specific project’s bid documents
The standard CT DAS design-bid-build conditions apply to that public project form: over-$100,000 property rigged, hauled, or at site pending installation requires inland marine/transit insurance only if builder's risk does not afford coverage. Check the project manual and any modifications before treating the clause as applicable. ¹
Coordinate builder’s risk and transit
The DAS clause makes inland marine/transit conditional on coverage not being afforded by builder's risk. Ask which policy covers loading, hauling, arrival, staging, and installation, and identify any gap or overlap in writing. ¹
Check the payee endorsement when required
When the specified public-project coverage is required, the standard conditions call for the State of Connecticut to be named as loss payee. Confirm the endorsement and the property to which it applies before equipment or materials move. ¹
Filing review does not answer what your policy covers
Connecticut Bulletin PC-63-24 lists commercial inland-marine form filings as exempt from filing review. It says rates and rules are not required to be filed; if an insurer chooses to submit those filing types, they may also be submitted as exempt. The bulletin's review exemption does not extend to policies issued to municipalities or other local-government entities, or to filings for forms combining exempt and non-exempt lines. Exempt filings remain subject to the bulletin's filing and legal-compliance requirements. None of this determines your insured property, perils, limits, or claim payment. ²

Which Inland Marine Providers Have Connecticut License Records?

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

TechInsurance
Insurance producer · checked 2026-09-28
Specialty Program Group LLC
TechInsurance’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. ¹⁴
TechInsurance arranges inland marine coverage for contractors’ tools and equipment.

Who Regulates Insurance in Connecticut?

Connecticut Insurance Department

The Connecticut Insurance Department licenses insurance producers and companies, oversees insurers and regulated insurance activity, and investigates insurance complaints. Its complaint and license-search services let you raise an issue or check an insurance professional or company. ^3,^4,⁵

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint
Phone: (800) 203-3447

Surplus-Lines Tax and Stamping Office in Connecticut

Reported tax rate. 4% of gross premium when Connecticut is the home state ^6,^7,⁸

When Connecticut is the insured’s home state, surplus-lines tax is 4% of gross premium; certain state and local government insureds are exempt, and broker or policy fees are not part of the premium-tax base. Connecticut’s required notice says these policies are outside the state guaranty association. Most placements require three declinations or an export-list qualification; an exempt commercial purchaser may qualify for the federal § 8205 search exception after disclosure and a written request.

Questions to Ask Before You Buy Inland Marine in Connecticut

Does this project's bid proposal require builder's risk, inland marine/transit, or both, and which contract changes apply?
Which items over $100,000 are rigged, hauled, or waiting at the site for installation, and which named policy covers each phase?
Does builder's risk actually afford transit and staging coverage for each listed item, or is separate inland marine/transit needed?
Does the policy include the required State of Connecticut loss-payee endorsement for the scheduled property?
What loading, unloading, delay, storage, installation, and temporary-location terms apply?

Inland Marine Insurance in Connecticut: Frequently Asked Questions

Does Connecticut require every business to carry inland marine insurance?

No. The cited $100,000 requirement is in CT DAS standard general conditions for design-bid-build public projects and is conditional on builder's risk not affording coverage. It is not a statewide insurance mandate for all businesses. ¹

Does Connecticut’s filing-review exemption mean an inland marine policy is approved for my risk?

No. Bulletin PC-63-24 exempts listed commercial inland-marine filings from review subject to its exceptions, including policies issued to municipalities or other local-government entities and forms combining exempt and non-exempt lines. It also keeps applicable filing and legal-compliance duties in place. The bulletin does not determine the terms or result of a particular claim. ²

Sources for Inland Marine Insurance in Connecticut

1
General Conditions of the Contract for Construction for Design-Bid-Build. Connecticut Department of Administrative Services; Standard form, revision 10/01/2025, Article 35.1.7–35.1.9, PDF pages 25–26; inland marine/transit threshold, builder's-risk coordination, and loss payee. Accessed 2026-09-28.
2
Bulletin PC-63-24: Exemption of Certain Commercial Lines Property and Casualty Policies From Form, Rate and Rule Filing Requirements. Connecticut Insurance Department; Issued July 3, 2024; Appendix A item Commercial inland marine and pages 1–2 for scope and continuing filing/compliance conditions. Accessed 2026-09-28.
3
Connecticut Insurance Department. Connecticut Insurance Department; Official Department homepage; mission and department resources. Accessed 2026-09-28.
4
Licensing. Connecticut Insurance Department; Department licensing resource landing page; links to state agent and company license lookup. Accessed 2026-09-28.
5
Ask a Question or File a Complaint. Connecticut Insurance Department; Online complaint form and consumer affairs helpline. Accessed 2026-09-28.
6
FAQs: Surplus Lines Brokers. Connecticut Insurance Department; Current tax rate, tax base and exemptions, diligent-search rules, guaranty-fund notice. Accessed 2026-09-28.
7
FAQs: Surplus Lines Brokers. Connecticut Insurance Department; Question on surplus-lines notice states Connecticut Insurance Guaranty Association does not cover these policies. 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
Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
10
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.
11
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.
12
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.
13
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.
14
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.
15
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.

What Inland Marine Insurance Requirements Apply in Connecticut?

What Is Inland Marine Insurance?

What Should You Watch for With Inland Marine Insurance in Connecticut?

Read the specific project’s bid documents

Coordinate builder’s risk and transit

Check the payee endorsement when required

Filing review does not answer what your policy covers