--- title: "Ohio inland marine insurance and the manual-rate filing exception" description: "Ohio adopts the 1976 nationwide inland marine definition and exempts non-manual inland marine from ordinary rate filing." canonical: "https://spot.insure/coverage/inland-marine/ohio" page-type: "coverage-state-guide" updated-at: "2026-09-29" --- 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/ohio) # Ohio inland marine insurance and the manual-rate filing exception Ohio Administrative Code 3901-1-23 establishes inland marine risks by the nationwide inland marine definition the NAIC approved on December 9, 1976. A company that wants to deviate must file and get the superintendent's approval before using the deviation. Separately, Ohio Rev. Code § 3935.04, effective October 24, 2024, says the usual form and rate filing duty does not apply to inland marine risks which by general custom are not written according to manual rates or rating plans.[^1][^2] **Coverage:** [Tools, equipment and inland marine](/coverage/inland-marine) · [Ohio](/coverage/states/ohio) ## 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 Ohio ### A Deviation From the 1976 Definition Needs Approval Rule 3901-1-23 does not reprint consignment, installation, or equipment subclasses. It says inland marine risks shall be established by the December 9, 1976 nationwide definition, and that any company wishing to deviate shall make a formal filing and obtain the superintendent's approval before using the deviation. The rule's five-year review date is August 31, 2027. Ask whether your class is inside the definition or under an approved deviation.[^1] ### Non-Manual Inland Marine Skips the Ordinary Filing Duty Section 3935.04(A) requires filing of forms and rates except as to inland marine risks which by general custom are not written according to manual rates or rating plans. Specific inland marine rates on risks specially rated by a rating bureau shall be filed, and those bureau-made rates become effective when filed. Division (J)'s ban on issuing a policy except in accordance with filings in effect does not apply to inland marine risks as to which filings are not required.[^2] ### The Filing Exception Is Not a Coverage Term A risk that does not have to be filed can still exclude theft from an unattended vehicle, tools over a sublimit, or property at your premises. Ask the broker to point to the form's transit, jobsite, and premises clauses. The authorized-kinds statute lists inland marine but does not define those subclasses.[^2][^1] ## Who Regulates Insurance in Ohio **Ohio Department of Insurance.** ODI licenses insurance agents and agencies and provides a public agent and company locator. Its consumer complaint form accepts insurance complaints and lets you identify an agent or company.[^3][^4][^5] - [Regulator website](https://insurance.ohio.gov/) - [License lookup](https://gateway.insurance.ohio.gov/UI/ODI.Agent.Public.UI/AgentSearch.mvc/DisplaySearch) - [File a complaint](https://gateway.insurance.ohio.gov/UI/ODI.CS.Public.UI/Complaint.mvc/DisplayConsumerComplaintForm) ### Surplus-Lines Tax and Stamping Office **Reported tax rate:** 5% of gross premium, net of return premiums For Ohio-home-state surplus-lines placements, Ohio sets a 5% tax on gross premiums after returned premiums and requires the surplus-lines broker to collect it when the policy is delivered. A diligent search usually applies; a qualifying exempt commercial purchaser may request nonadmitted placement in writing after disclosure that authorized-market coverage may offer greater protection, and the policy requires a signed notice of no Ohio guaranty-association benefits.[^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 Ohio; [check the regulator’s license lookup](https://gateway.insurance.ohio.gov/UI/ODI.Agent.Public.UI/AgentSearch.mvc/DisplaySearch) and confirm state availability for your business when requesting a quote. - [Risklytics](/insurance-providers/risklytics) — **Entity:** Risklytics, Inc.; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** Risklytics’ licensing page lists its Massachusetts resident agency license plus state license records in Arizona, Colorado, Illinois, Indiana, New Jersey, Ohio, Texas and Washington; it identifies the NPN record date as September 10, 2026. This list is company-published and not a product availability map.[^14] **Coverage membership:** Risklytics arranges inland marine equipment coverage for robotics, hardware and AI businesses. - [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.[^15] **Coverage membership:** TechInsurance arranges inland marine coverage for contractors’ tools and equipment. ## Questions to Ask Before You Buy in Ohio 1. Is this class inside the 1976 definition, or under a deviation the superintendent approved? 2. Are the rates manual or bureau-made specific rates that had to be filed? 3. Where does cover stop: in transit, at a job site, or at your premises? ## Tools, Equipment And Inland Marine in Ohio: FAQ ### Can an Ohio insurer use an inland marine class outside the 1976 definition without approval? No. Rule 3901-1-23 requires a formal filing and the superintendent's approval before a company uses a deviation from the nationwide inland marine definition approved on December 9, 1976.[^1] ### Must every Ohio inland marine policy be issued only on a filing that is in effect? No. Section 3935.04(J) does not apply to inland marine risks as to which filings are not required. Bureau-made specific rates on specially rated inland marine risks are filed and become effective when filed.[^2] ## Tools, Equipment And Inland Marine in Other States - [Alabama](/coverage/inland-marine/alabama) - [Alaska](/coverage/inland-marine/alaska) - [Arizona](/coverage/inland-marine/arizona) - [Arkansas](/coverage/inland-marine/arkansas) - [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) - [Michigan](/coverage/inland-marine/michigan) - [Minnesota](/coverage/inland-marine/minnesota) - [Mississippi](/coverage/inland-marine/mississippi) - [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) - [New Jersey](/coverage/inland-marine/new-jersey) - [New Mexico](/coverage/inland-marine/new-mexico) - [New York](/coverage/inland-marine/new-york) - [North Carolina](/coverage/inland-marine/north-carolina) - [North Dakota](/coverage/inland-marine/north-dakota) - [Oklahoma](/coverage/inland-marine/oklahoma) - [Oregon](/coverage/inland-marine/oregon) - [Pennsylvania](/coverage/inland-marine/pennsylvania) - [Rhode Island](/coverage/inland-marine/rhode-island) - [South Carolina](/coverage/inland-marine/south-carolina) - [South Dakota](/coverage/inland-marine/south-dakota) - [Tennessee](/coverage/inland-marine/tennessee) - [Texas](/coverage/inland-marine/texas) - [Utah](/coverage/inland-marine/utah) - [Vermont](/coverage/inland-marine/vermont) - [Virginia](/coverage/inland-marine/virginia) - [Washington](/coverage/inland-marine/washington) - [West Virginia](/coverage/inland-marine/west-virginia) - [Wisconsin](/coverage/inland-marine/wisconsin) - [Wyoming](/coverage/inland-marine/wyoming) [Other Coverage in Ohio](/coverage/states/ohio) ## Sources [^1]: [Rule 3901-1-23 | Inland marine risks](https://codes.ohio.gov/ohio-administrative-code/rule-3901-1-23) — Ohio Legislative Service Commission; 3901-1-23(C); effective November 16, 2017; five-year review August 31, 2027. Accessed 2026-09-29. [^2]: [Section 3935.04 | Filing of rates](https://codes.ohio.gov/ohio-revised-code/section-3935.04) — Ohio Legislative Service Commission; § 3935.04(A)(1), (E), and (J); effective October 24, 2024. Accessed 2026-09-29. [^3]: [ohio insurance regulator](https://insurance.ohio.gov/) — State insurance regulator; Official regulator home page and consumer/industry navigation.. Accessed 2026-09-28. [^4]: [Ohio Department of Insurance Agent / Agency Locator](https://gateway.insurance.ohio.gov/UI/ODI.Agent.Public.UI/AgentSearch.mvc/DisplaySearch) — State insurance regulator; Public search fields for agent and agency name, NPN, license number, city, ZIP, residency, and license type.. Accessed 2026-09-28. [^5]: [Ohio Department of Insurance Consumer Complaints Form](https://gateway.insurance.ohio.gov/UI/ODI.CS.Public.UI/Complaint.mvc/DisplayConsumerComplaintForm) — State insurance regulator; Online complaint form collects insurer, coverage, agent, issue, and supporting documents; page warns submissions may be public records.. Accessed 2026-09-28. [^6]: [Ohio Revised Code §3905.36](https://codes.ohio.gov/ohio-revised-code/section-3905.36) — Ohio Laws; Division (B): 5% of gross premiums after return premiums; surplus-lines broker collects from insured at policy delivery.. Accessed 2026-09-28. [^7]: [Ohio Revised Code §3905.38](https://codes.ohio.gov/ohio-revised-code/section-3905.38) — Ohio Laws; Division A: Chapter 3905 rules do not apply when Ohio is not insured's home state.. Accessed 2026-09-28. [^8]: [Ohio Revised Code §3905.33](https://codes.ohio.gov/ohio-revised-code/section-3905.33) — Ohio Laws; Divisions (B)(1), (B)(4): five-market diligence and ECP disclosure/written request; division (C): signed notice of no Ohio Insurance Guaranty Association benefits.. 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]: [About Risklytics](https://www.risklytics.ai/about/) — Risklytics; What we do; Who we insure; Licensing; Agency licenses table dated 2026-09-10. Accessed 2026-09-16. [^15]: [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. [^16]: [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 2026-09-29. This guide is informational and does not determine whether a policy is available or meets your needs. [Editorial policy](/editorial-policy). To suggest a correction, [contact Spot](/contact) with a supporting source. ## Agent and Developer Resources - [Markdown page](https://spot.insure/coverage/inland-marine/ohio.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)