--- title: "Michigan inland marine insurance: check the commercial form and schedule" description: "A practical review guide for Michigan businesses comparing movable-equipment quotes, declarations and endorsements." canonical: "https://spot.insure/coverage/inland-marine/michigan" page-type: "coverage-state-guide" updated-at: "2026-09-28" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/coverage/inland-marine/michigan) # Michigan inland marine insurance: check the commercial form and schedule Michigan DIFS explains that commercial policy forms and endorsements generally have filing requirements, with an exemption available for qualifying commercial forms carrying a prominent statutory disclaimer; rules and rates follow when the form qualifies. DIFS also explains the commercial-line exemption's effective date and the disclaimer condition. These are filing rules, not a statement that any filed or exempt form covers your tools or equipment. Ask the insurer for the actual form, declarations, schedule and endorsements, then verify the named property, locations and movement in the contract.[^1][^2] **Coverage:** [Tools, equipment and inland marine](/coverage/inland-marine) · [Michigan](/coverage/states/michigan) ## 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](/coverage/inland-marine). ## What to Watch for in Michigan ### Get the actual form and endorsements Michigan DIFS describes filing requirements and a disclaimer-based exemption for qualifying commercial forms. The filing path does not say whether your particular mobile property is insured; review the policy form and all endorsements against the gear and operations you described.[^1][^2] ### Match the schedule to real equipment Compare serial numbers, values, ownership or lease status, attached accessories and replacement cost assumptions with the declarations. Ask how newly acquired or borrowed items are treated before relying on an unscheduled-item provision.[^1] ### Check where equipment is when a loss happens Identify shop storage, jobsites, loading, transit, overnight vehicle storage and off-premises work. The DIFS filing guidance does not decide those boundaries; the policy's insuring agreement, definitions, exclusions and limits do.[^2] ## Who Regulates Insurance in Michigan **Michigan Department of Insurance and Financial Services.** The Michigan Department of Insurance and Financial Services licenses agents, agencies and companies, supervises insurance business, and helps resolve complaints. You can use its state lookup or complaint service to check a license or raise an insurance issue.[^3][^4][^5] - [Regulator website](https://www.michigan.gov/difs) - [License lookup](https://difs.state.mi.us/locators?searchtype=InsAgent) - [File a complaint](https://difs.state.mi.us/Complaints/FileComplaint.aspx) - Phone: 877-999-6442 ### Surplus-Lines Tax and Stamping Office **Reported tax rate:** 2.5% combined surplus-lines tax and regulatory fee on premium when Michigan is the insured's home state Michigan's Property and Casualty Guaranty Association is funded by insurers authorized to transact in the state; an insurer procured solely under Chapter 19 is expressly not considered authorized for that chapter. The surplus-lines policy must carry a notice that the insurer is not Michigan-licensed and insolvency claim payment may not be guaranteed.[^6][^7][^8] ## 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 that the product is available in Michigan; [check the regulator’s license lookup](https://difs.state.mi.us/locators?searchtype=InsAgent) and confirm state availability for your business when requesting a quote. - [TechInsurance](/insurance-providers/techinsurance) — **Entity:** Specialty Program Group LLC; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** 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] ## Questions to Ask Before You Buy in Michigan 1. Which exact DIFS-approved or exempted form and endorsements would be issued, and where can I read them? 2. Are owned, leased, rented, borrowed and customer-owned items treated differently in the schedule? 3. Are transit, loading and unloading, temporary storage and overnight vehicle stops included, limited or excluded? 4. What per-item limits, blanket limits, deductibles, valuation method, theft conditions and breakdown exclusions apply? ## Tools, Equipment And Inland Marine in Michigan: FAQ ### Does a Michigan commercial filing exemption guarantee that my tools are covered? No. DIFS describes a filing exemption tied to a prominent disclaimer on qualifying commercial forms. The disclaimer or filing status does not determine the policy's covered property, causes of loss, territory or limits.[^1][^2] ### What should I compare in a Michigan inland marine quote? Compare the issued form and endorsements with the declarations and item schedule. Confirm that the descriptions, values, places, transit stages, limits and deductibles match the way the business actually uses and moves the property.[^1] ## Tools, Equipment And Inland Marine in Other States - [Alabama](/coverage/inland-marine/alabama) - [Alaska](/coverage/inland-marine/alaska) - [Arizona](/coverage/inland-marine/arizona) - [California](/coverage/inland-marine/california) - [Colorado](/coverage/inland-marine/colorado) - [Connecticut](/coverage/inland-marine/connecticut) - [Delaware](/coverage/inland-marine/delaware) - [District of Columbia](/coverage/inland-marine/district-of-columbia) - [Florida](/coverage/inland-marine/florida) - [Georgia](/coverage/inland-marine/georgia) - [Hawaii](/coverage/inland-marine/hawaii) - [Idaho](/coverage/inland-marine/idaho) - [Illinois](/coverage/inland-marine/illinois) - [Indiana](/coverage/inland-marine/indiana) - [Iowa](/coverage/inland-marine/iowa) - [Kansas](/coverage/inland-marine/kansas) - [Kentucky](/coverage/inland-marine/kentucky) - [Louisiana](/coverage/inland-marine/louisiana) - [Maine](/coverage/inland-marine/maine) - [Maryland](/coverage/inland-marine/maryland) - [Massachusetts](/coverage/inland-marine/massachusetts) - [Minnesota](/coverage/inland-marine/minnesota) - [Missouri](/coverage/inland-marine/missouri) - [Montana](/coverage/inland-marine/montana) - [Nebraska](/coverage/inland-marine/nebraska) - [Nevada](/coverage/inland-marine/nevada) - [New Hampshire](/coverage/inland-marine/new-hampshire) [Other Coverage in Michigan](/coverage/states/michigan) ## Sources [^1]: [Property & Casualty Insurance FAQs](https://www.michigan.gov/difs/news-and-outreach/faq/insurance/property-casualty) — Michigan Department of Insurance and Financial Services; Rate/Rule/Form Filing FAQ, commercial insurance filing exemptions and disclaimer; updated 2026-07-02, accessed 2026-09-28. Accessed 2026-09-28. [^2]: [Commercial Filing Exemption](https://www.michigan.gov/difs/industry/ins-prod-filing-review/general-info/commercial-filing-exemption) — Michigan Department of Insurance and Financial Services; Commercial form filing exemption overview; effective date March 31, 2003 and prominent-disclaimer condition; accessed 2026-09-28. Accessed 2026-09-28. [^3]: [Department of Insurance and Financial Services](https://www.michigan.gov/difs) — Department of Insurance and Financial Services; Official regulator and insurance oversight. Accessed 2026-09-28. [^4]: [Insurance License Lookup](https://difs.state.mi.us/locators?searchtype=InsAgent) — Department of Insurance and Financial Services; State-designated producer/company search. Accessed 2026-09-28. [^5]: [File an Insurance Complaint](https://difs.state.mi.us/Complaints/FileComplaint.aspx) — Department of Insurance and Financial Services; State complaint process and contact. Accessed 2026-09-28. [^6]: [Surplus Lines Licensee: Filing the Surplus Lines Taxes](https://www.michigan.gov/difs/industry/licensing-ins/sur-lines-prod/licensed/surplus-lines-licensee-filing-the-surplus-lines-taxes) — Michigan Department of Insurance and Financial Services; DIFS current filing page: Michigan-home-state placements taxed at 2.5% combined tax and regulatory fee; separate fees charged to insured are not included in premium tax base. Accessed 2026-09-28. [^7]: [Michigan Insurance Code, Chapter 500](https://www.legislature.mi.gov/documents/mcl/pdf/mcl-chap500.pdf) — Michigan Legislature; MCL 500.7911(1)-(2), 500.7921(b): association membership tied to insurer authorized to transact; insurer procured solely under Chapter 19 is expressly not authorized for guaranty chapter. Accessed 2026-09-28. [^8]: [Michigan Insurance Code, Chapter 500](https://www.legislature.mi.gov/documents/mcl/pdf/mcl-chap500.pdf) — Michigan Legislature; MCL 500.1922 requires policy notice that insurer is not Michigan-licensed and insolvency claim payment may not be guaranteed. Accessed 2026-09-28. [^9]: [Licenses](https://www.at-bay.com/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](https://www.coalitioninc.com/legal/licenses) — 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](https://www.corgi.insure/broker-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](https://www.hiscox.com/about-hiscox-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](https://www.nextinsurance.com/insurance-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](https://www.techinsurance.com/legal/licenses) — 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](https://www.vouch.us/legal/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 2026-09-28. This guide is informational and does not determine whether a policy is available or meets your needs. [Editorial policy](/editorial-policy). 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