North Carolina Inland Marine Insurance: Bridges and Transit Property

North Carolina's marine-insurance kind includes property connected with navigation, transit, or transportation, including preparation for shipment and incidental delay, storage, and transshipment. Bridges, tunnels, and other instrumentalities of transportation are included unless fire, tornado, sprinkler leakage, hail, explosion, earthquake, riot, or civil commotion are the only hazards covered. A separate statute says inland marine includes insurance defined by statute or, if not, by the Commissioner's ruling or by general custom.

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 to Watch for With Inland Marine in North Carolina

A Bridge Floater Drops Out If Only Named Perils Are Covered
G.S. 58-7-15(20) includes bridges, tunnels, and other instrumentalities of transportation and communication, excluding buildings, their furniture and furnishings, fixed contents, and supplies held in storage, unless fire, tornado, sprinkler leakage, hail, explosion, earthquake, riot, and/or civil commotion are the only hazards covered. If your quote covers only those named perils, it is not in this marine clause. Ask which additional perils are actually insured. ¹
Piers and Docks Use the Same Named-Peril Boundary
The same subdivision excludes piers, wharves, docks, and slips from the marine kind when those same perils are the only hazards covered. A waterfront contractor should not assume a pier is inland marine because it touches the water. Match the peril list on the form to this test. ¹
Jewelry Does Not Have to Be in Transit
The marine kind also covers precious stones, jewels, jewelry, and precious metals whether or not they are in transportation, and it includes personal property floater risks and marine builder's risks. The automobile bodily-injury exclusion in subdivision (20)b is limited to that liability class. It is not a general ban on scheduling a contractor's mobile equipment. Describe highway trucks separately from tools. ¹
If the Statute Is Silent, Custom or a Commissioner Ruling Fills In
G.S. 58-40-5(3) says inland marine insurance shall be deemed to include insurance defined by statute, or by interpretation, or if not so defined, by ruling of the Commissioner, or as established by general custom of the business. The nationwide-definition rule URL returned 404, so this guide does not quote that rule. Ask whether your class is one the Commissioner has ruled on. ²

Which Inland Marine Providers Have North Carolina 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 North Carolina. 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. ¹⁶
TechInsurance arranges inland marine coverage for contractors’ tools and equipment.

Who Regulates Insurance in North Carolina?

North Carolina Department of Insurance

The North Carolina Department of Insurance administers insurance laws, licenses insurance producers and companies, reviews insurance filings and handles consumer complaints. The Commissioner is elected statewide. ^3,^4,^5,⁶

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint
Phone: 855-408-1212

Surplus-Lines Tax and Stamping Office in North Carolina

Reported tax rate. 5% of gross premium, less return premium, plus 0.4% NC Stamping Office fee for ordinary filed placements ^7,^8,^9,¹⁰

When North Carolina is the insured’s home state, surplus-lines tax is 5% of gross premium less return premium; ordinary broker-placed filings also carry a 0.4% stamping fee, while risk-purchasing-group and independent-procurement filings follow separate procedures. A diligent search is generally required; an exempt commercial purchaser may bypass it only after the broker discloses the admitted-market protection difference and receives the purchaser’s subsequent written request. The policy warns that the state guaranty or solvency fund will not pay surplus-lines losses.

North Carolina Surplus Lines Association / NC Stamping Office

Questions to Ask Before You Buy Inland Marine in North Carolina

Are bridges, piers, or tunnels insured for perils beyond the named list in G.S. 58-7-15(20)?
Are buildings, furniture, and stored supplies excluded from a transportation-instrumentality form?
Which tools are highway vehicles and which are scheduled as floater property?

Inland Marine Insurance in North Carolina: Frequently Asked Questions

Is a North Carolina bridge inland marine if the policy covers only fire and named weather perils?

No. Bridges and tunnels are in the marine kind unless fire, tornado, sprinkler leakage, hail, explosion, earthquake, riot, and/or civil commotion are the only hazards covered. ¹

Must jewelry be in transit to fall under North Carolina’s marine kind?

No. G.S. 58-7-15(20) covers precious stones, jewelry, and precious metals whether or not they are in the course of transportation. ¹

Sources for Inland Marine Insurance in North Carolina

1
G.S. 58-7-15. Kinds of insurance authorized. North Carolina General Assembly; § 58-7-15(20)a through (20)d. Accessed 2026-09-29.
2
Article 40, Regulation of Insurance Rates. North Carolina General Assembly; G.S. 58-40-5(3) definition of inland marine. Accessed 2026-09-29.
3
North Carolina Department of Insurance. North Carolina Department of Insurance; Official department homepage. Accessed 2026-09-28.
4
Insurance Producer and Adjuster Licensing. North Carolina Department of Insurance; Official licensing landing page provides license status lookup, producer licensing and SBS resources. Accessed 2026-09-28.
5
File a Complaint. North Carolina Department of Insurance; Official insurance complaint form and consumer assistance page; toll-free line 855-408-1212. Accessed 2026-09-28.
6
Commissioner of Insurance. North Carolina Department of Insurance; Official commissioner biography says officeholder was elected statewide. Accessed 2026-09-28.
7
N.C. Gen. Stat. §58-21-85. North Carolina General Assembly; 5% tax on gross premiums less returns when insured’s home state is North Carolina; treatment of reciprocal allocation also provided. Accessed 2026-09-28.
8
Surplus Lines. North Carolina Department of Insurance; Current DOI surplus-lines page identifies NC Stamping Office; states a 0.4% fee for ordinary new/renewal filings; excludes RRG and independent procurement. Accessed 2026-09-28.
9
N.C. Gen. Stat. §58-21-16. North Carolina General Assembly; ECP diligent-search waiver requires broker disclosure that admitted insurance may provide greater protection and purchaser subsequent written request; ECP definition appears in subsection (b). Accessed 2026-09-28.
10
Surplus Lines. North Carolina Department of Insurance; Required surplus-lines policy language says state guaranty or solvency fund will not pay losses on policy. 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
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.
17
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.

North Carolina Inland Marine Insurance: Bridges and Transit Property

What Is Inland Marine Insurance?

What to Watch for With Inland Marine in North Carolina

A Bridge Floater Drops Out If Only Named Perils Are Covered

Piers and Docks Use the Same Named-Peril Boundary

Jewelry Does Not Have to Be in Transit

If the Statute Is Silent, Custom or a Commissioner Ruling Fills In