North Dakota Inland Marine Insurance Under the 1976 Definition

North Dakota Insurance Department Bulletin 82-5, dated September 10, 1982, says the Department adopted the 1976 Nationwide Marine Definition recommended at the NAIC meeting on December 9, 1976. The rating chapter applies to fire, marine, inland marine, and other property insurance, and it says inland marine includes insurance defined by statute or, if not, by general custom. The bulletin is the adoption notice. It does not list your tools or set a 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 to Watch for With Inland Marine in North Dakota

The Definition in Force Is the 1976 Nationwide Text
Bulletin 82-5 is the Department's notice that it adopted the 1976 nationwide marine definition. Later bulletins were not opened as a replacement. Ask the insurer which subclass of that definition it is using for a shipment, a jobsite installation, or a contractors' equipment floater, and read the form rather than the bulletin for perils and limits. ¹
Inland Marine Sits in the Property Rating Chapter
N.D.C.C. § 26.1-25-02 says the rating chapter applies to fire, marine, inland marine, and other property insurance. It also says inland marine insurance is 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. A custom classification is not a coverage grant. ²
Shipment and Equipment Subclasses Were Not Reprinted
The opened chapter does not reprint consignment premises limits, a builders' installation cutoff, or a highway-vehicle exclusion. Do not borrow those tests from another state. Give the broker the locations, the time goods sit at your premises, and which machines are licensed for the highway, and ask the form to answer each one. ^1,²

Which Inland Marine Providers Have North Dakota 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 Dakota. 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 North Dakota?

North Dakota Insurance Department

The North Dakota Insurance Department regulates insurers and producers, provides licensing and company searches, and investigates insurance complaints to assess compliance with state law and policy terms. ^3,^4,⁵

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint
Phone: 701-328-2440

Surplus-Lines Tax and Stamping Office in North Dakota

Reported tax rate. 1.75% of gross premium, assessments and policy fees, less return premium, when North Dakota is home state ^6,^7,⁸

When North Dakota is the insured’s home state, the 1.75% tax applies to the entire gross premium, assessments, membership and subscriber fees, and policy or service fees on multistate policies, less return premium. North Dakota permits independent procurement only under separate statutory conditions; the policyholder should confirm whether a licensed broker placement or independent procurement applies. Nonadmitted insurers generally do not participate in state guaranty funds.

Questions to Ask Before You Buy Inland Marine in North Dakota

Which 1976 nationwide subclass is this quote using?
Are goods covered only in transit, or also while stored at your premises?
Which machines are highway vehicles and which are scheduled equipment?

Inland Marine Insurance in North Dakota: Frequently Asked Questions

Which marine definition did North Dakota adopt?

Bulletin 82-5 says that on September 10, 1982 the Insurance Department adopted the 1976 Nationwide Marine Definition recommended at the NAIC meeting of December 9, 1976. ¹

Is inland marine inside North Dakota’s property rating chapter?

Yes. Section 26.1-25-02 applies that chapter to fire, marine, inland marine, and other property insurance, and it defines inland marine by statute, ruling, or general custom. ²

Sources for Inland Marine Insurance in North Dakota

1
Bulletin 82-5. North Dakota Insurance Department; September 10, 1982 adoption of the 1976 Nationwide Marine Definition. Accessed 2026-09-29.
2
N.D.C.C. Chapter 26.1-25, Fire, Property, and Casualty Insurance Rates. North Dakota Legislative Branch; § 26.1-25-02 scope, including inland marine. Accessed 2026-09-29.
3
North Dakota Insurance Department. North Dakota Insurance Department; Official department homepage; identifies regulation of insurance and consumer/business assistance. Accessed 2026-09-28.
4
Print License / Search for an Agent. North Dakota Insurance Department; Official licensing page directs the public to current SBS public lookup for agent status, license number, lines and appointments; linked public lookup is up to date. Accessed 2026-09-28.
5
Complaints. North Dakota Insurance Department; Official complaint process; Department reviews compliance with insurance laws and policy coverage; directs online filings to state-specific SBS complaint form. Accessed 2026-09-28.
6
Surplus Lines. North Dakota Insurance Department; Current official page: ND home-state rate 1.75% on total premium including assessments and policy fees for multistate coverage; explains home-state allocation and nonadmitted insurer guaranty status. Accessed 2026-09-28.
7
N.D.C.C. Chapter 26.1-44, Surplus Lines Insurance. North Dakota Legislative Branch; §26.1-44-03.1 sets 1.75% tax base, home-state rule, fee inclusion, return premiums; §§26.1-44-08 and related provisions cover placements. Accessed 2026-09-28.
8
Surplus Lines. North Dakota Insurance Department; Official page states nonadmitted insurers generally do not participate in state-created insurance guaranty funds. 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.

North Dakota Inland Marine Insurance Under the 1976 Definition

What Is Inland Marine Insurance?

What to Watch for With Inland Marine in North Dakota

The Definition in Force Is the 1976 Nationwide Text

Inland Marine Sits in the Property Rating Chapter

Shipment and Equipment Subclasses Were Not Reprinted