What Inland Marine Insurance Requirements Apply in Delaware?

Delaware law draws a useful distinction for shipment planning: its broad marine-and-transportation definition reaches transit risks and incidental preparation, delay, storage, transshipment, or reshipment, and includes personal-property floater risks; its narrower “wet marine” definition covers vessels and marine builder's risks plus certain import/export or coastwise/inland-water transportation. A statutory line definition classifies insurance and rate rules; it does not guarantee that a form insures your goods for every stop, warehouse, or cause of loss. Show the insurer the route and handoffs, and ask when coverage begins and ends, including temporary storage and return shipment.

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 Delaware?

Describe every interruption in the route
Delaware's statute includes delay, storage, transshipment, or reshipment incident to shipment in its marine classification language. Ask the policy to specify which planned storage stops and delays are included; a classification does not settle whether a particular pause qualifies under your contract. ¹
Separate vessel or cargo risk from portable property
The statute's wet-marine subsection is a narrower subset, including vessels and marine builder's risks and defined water-linked or international cargo movements. For equipment traveling over land, job-site property, or a personal-property floater, ask the insurer which inland-marine form applies instead of relying on the word “marine.” ¹
Tell the insurer where the risk is located
Delaware's rating statute applies to fire, marine, and inland-marine insurance on risks located in the State and distinguishes airborne or waterborne vessels and related marine risks from inland marine. If goods cross state or country lines, describe the whole route and ask how location, transit, and destination affect the quote. ²
Confirm covered property and causes of loss
The statute's broad list is a definition of the marine line, not a promise that a policy covers all listed property or all risks. Review the insured-property wording, covered causes of loss, exclusions, valuation, deductibles, and any scheduled limits. ^1,²

Which Inland Marine Insurance Providers Have Delaware 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 Delaware. 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 Delaware?

Delaware Department of Insurance

The Delaware Department of Insurance licenses and regulates insurers and insurance producers, reviews regulated insurance activity, and handles complaints. Its consumer division can help you raise an insurance concern and its services page links to official license searches. ^3,^4,⁵

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint
Phone: (800) 282-8611

Surplus-Lines Tax and Stamping Office in Delaware

Reported tax rate. 3% of gross premium, less return premium, when Delaware is the home state ^6,⁷

When Delaware is the insured’s home state, its 3% surplus-lines premium tax applies to the entire premium of a multistate policy, less returned premiums and excluding federal and state taxes and examination fees. Ask the surplus-lines broker to confirm the home-state determination and tax calculation, and separately explain how exposures are allocated in the required reports; those allocations do not reduce the premium subject to Delaware’s tax.

What Should You Ask Before Buying Inland Marine Insurance in Delaware?

Are the goods, tools, packaging, and other property insured during preparation, loading, transit, each storage stop, transshipment, and return?
Does the policy end at delivery, acceptance, installation, or another event, and which form covers property waiting at the destination?
Are ocean or inland-water cargo, vessel-related risks, and overland equipment shown under the correct forms and locations?
What per-item and one-shipment limits, deductibles, valuation rules, and unattended-vehicle or warehouse restrictions apply?
How does the insurer define a covered delay or temporary storage under this policy?

Inland Marine Insurance in Delaware: Frequently Asked Questions

Does Delaware’s wet-marine definition apply to every shipment?

No. Delaware's statute uses wet marine for specified vessel and marine-builder risks and certain import/export or coastwise/inland-water cargo transportation. Other movable property may be classified under inland marine; the policy wording controls the actual insurance. ¹

If the statute lists storage and transshipment, are all warehouse losses covered?

No. The list defines the marine insurance line and includes certain storage or delay incident to shipment. Your policy still sets the covered property, time period, location, causes of loss, exclusions, and limits. ¹

Sources for Inland Marine Insurance in Delaware

1
18 Del. C. § 907: Marine and transportation, “wet marine” insurance defined. Delaware Code Online; § 907(a)(1)(a)–(c) and § 907(b)(1)–(2); marine/transit definition and wet-marine scope. Accessed 2026-09-28.
2
18 Del. C. § 2502: Scope of chapter. Delaware Code Online; § 2502(a)(3), (b)(2); inland-marine inclusion and distinction for aviation/marine risks on in-state risks. Accessed 2026-09-28.
3
Delaware Department of Insurance. Delaware Department of Insurance; Official Department homepage and regulatory resources. Accessed 2026-09-28.
4
Services. Delaware Department of Insurance; Department service directory links to the state insurance licensee search. Accessed 2026-09-28.
5
Consumer Services. Delaware Department of Insurance; Complaint filing and consumer assistance; publishes Consumer Services phone. Accessed 2026-09-28.
6
Surplus Lines Bulletin 22. Delaware Department of Insurance; Surplus Lines Bulletin 22 (October 2025; printed day is blank), reproducing 18 Del. C. § 1925: home-state tax treatment, all premium on multistate policy if Delaware is home state, 3% rate, and exclusion of federal/state taxes and examination fees from gross premium. Accessed 2026-09-28.
7
Delaware Code, Title 18, §§1923–1925. Delaware General Assembly; §1923(a)(1),(12) home-state verification and allocation records; §1924(b)(3)–(6) separate premium reporting; §1925(b)–(c) 3% tax, deductions/exclusions and full multistate premium when Delaware is home state. Accessed 2026-09-28.
8
Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
9
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.
10
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.
11
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.
12
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.
13
Licenses & Disclosures. RiskCube; Property & Casualty Producer/Broker Licenses; February 11, 2026 version. Accessed 2026-09-16.
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 Delaware?

What Is Inland Marine Insurance?

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

Describe every interruption in the route

Separate vessel or cargo risk from portable property

Tell the insurer where the risk is located

Confirm covered property and causes of loss