What Inland Marine Insurance Requirements Apply in Idaho?

Idaho’s Department of Administration describes inland marine as optional coverage for state agencies’ scheduled portable items under $5,000 that are not at a fixed location, while its major-property program handles different scheduled property. IDWR’s water-district page also lists inland-marine forms separately from forms for buildings, contents and major equipment. These are state-government program descriptions, not rules for private businesses or promises under a commercial policy. Idaho public agencies should reconcile the item’s value, portability, fixed-location status and schedule with their own current fund documents; private buyers can use the distinction as a checklist, not a borrowed limit.

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 Idaho?

Keep the $5,000 threshold inside its state-agency program
Idaho Administration describes its optional inland-marine coverage for state-agency items below $5,000 that are scheduled, portable and not at a fixed location. That threshold is not a commercial-market coverage rule. If your organization is outside the state program, have the insurer set the schedule and limits for your property. ¹
Classify fixed equipment separately
Idaho’s state description separates major property, including scheduled buildings, contents, stock and supplies, from portable non-fixed items insured under its inland-marine option. For an agency inventory, flag items that move, stay at one location, or are part of major equipment before assigning a form. ^1,²
Use the right water-district form set
IDWR maintains a dedicated water-district inland-marine form alongside forms for auto physical damage, buildings and contents, and major equipment. A district should match its actual policy forms to its owned, leased and borrowed assets; the form directory itself does not state the coverage terms. ²

Which Inland Marine Insurance Providers Have Idaho 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 Idaho. 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 Idaho?

Idaho Department of Insurance

The Idaho Department of Insurance administers insurance laws and regulates insurers and licensed producers. It directs users to the NAIC State Based Systems lookup for producer and company licensing records and accepts consumer complaints. ^3,^7,⁴

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint
Phone: (208) 334-4250

Surplus-Lines Tax and Stamping Office in Idaho

Reported tax rate. 1.5% of premium when Idaho is the home state for property and casualty coverage ^5,^6,⁸

Idaho’s surplus-lines tax is 1.5%. For property-and-casualty insurance other than workers’ compensation, if Idaho is the insured’s home state the full premium is taxed regardless of where covered risks are located; other lines follow the statutory allocation rule. Surplus-lines policies do not receive Idaho guaranty-association protection.

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

Is the asset owned or leased by a state agency, a water district, or another entity, and which program or contract governs it?
For each item, what are its value, fixed location, normal route, temporary storage points and uses?
Does the applicable form schedule the item and include transit, job-site use, theft and off-premises storage?
Which building, contents, major-equipment, vehicle or inland-marine form is intended to respond to a single loss?

Inland Marine Insurance in Idaho: Frequently Asked Questions

Does Idaho’s under-$5,000 inland-marine description cap coverage for a private company?

No. The Department of Administration describes optional coverage in the State of Idaho government program. A private business must check the limits and schedule in its own policy. ¹

Do IDWR’s water-district forms prove which property is insured?

No. The IDWR page distinguishes the form categories it makes available. A district still needs to check its current policy, schedule, exclusions, deductibles and transit terms. ²

Sources for Inland Marine Insurance in Idaho

1
Insurance Coverages. Idaho Department of Administration, Risk Management Program; Inland Marine and Major Property sections; state-agency program authority, portability and under-$5,000 scheduled-item description; page version 4.1.9 last updated July 31, 2026. Accessed 2026-09-28.
2
Water Districts. Idaho Department of Water Resources; Water District Insurance Forms list, including separate Inland Marine, Major Property Buildings and Content, and Major Property Equipment forms. Accessed 2026-09-28.
3
Idaho Department of Insurance. Idaho Department of Insurance; Official regulator homepage and consumer resources. Accessed 2026-09-28.
4
Consumers. Idaho Department of Insurance; Official consumer service bureau page with File a Complaint links and published phone. Accessed 2026-09-28.
5
Idaho Insurance Laws and Regulations. Idaho Department of Insurance; 2026 publication: Idaho Code § 41-1204, 1.5% premium tax and home-state allocation rule. Accessed 2026-09-28.
6
Surplus Lines. Idaho Department of Insurance; Idaho surplus-lines broker requirement and Idaho SLA membership. Accessed 2026-09-28.
7
Request Public Records. Idaho Department of Insurance; Department states that producer and insurer licensing records are maintained by State Based Systems and links to individual SBS Lookup Search. Accessed 2026-09-28.
8
Surplus Lines: Facts to Know. Idaho Department of Insurance; Department publication says there is no state guaranty-association coverage for surplus-lines insurance if the company becomes insolvent. 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 Idaho?

What Is Inland Marine Insurance?

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

Keep the $5,000 threshold inside its state-agency program

Classify fixed equipment separately

Use the right water-district form set