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Oklahoma inland marine insurance, dams, and the commercial filing exemption

Oklahoma's marine-insurance section, in the Senate's Title 36 compilation posted in December 2019, includes bridges and tunnels unless only listed property perils are covered, and it expressly adds dams and appurtenant facilities for the control of waterways. Section 997 exempts all inland marine risks from the commercial special-risk filing and review requirements. The Insurance Department's commercial checklist says commercial inland marine is exempt from filing rates and rules, and its personal checklist says personal inland marine is not. 1,2,3

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.

What to Watch for in Oklahoma

  • Dams and Waterway Controls Are Named in the Marine Section

    The 2019 compilation's marine section covers loss or damage to aids to navigation and transportation, including dry docks and marine railways, and dams and appurtenant facilities for the control of waterways. Bridges and tunnels are included unless fire, tornado, sprinkler leakage, hail, explosion, earthquake, riot, or civil commotion, or any of them, are the only hazards covered. A dam project written only for those perils is outside that sentence. 1

  • Commercial Inland Marine Is Exempt From the Special-Risk Filing

    Section 997 exempts designated commercial special risks from the filing and review requirements of Section 987. The list includes all inland marine risks, separate from commercial lines risks that produce a minimum annual premium of $10,000. The Department's October 17, 2017 commercial inland marine checklist says commercial inland marine is exempted from filing rates and rules under that section. 1,2

  • Personal Inland Marine Is Not on That Exemption

    The Department's personal inland marine checklist from the same date says personal inland marine is not exempted from filing rates and rules. A personal jewelry floater and a commercial equipment floater do not follow the same filing path. The checklists are 2017 department documents. A revoked rule, OAC 365:15-1-6, is not used as current law. 3

Who Regulates Insurance in Oklahoma

Oklahoma Insurance Department

OID's Licensing Division oversees new and renewed producer, adjuster, and business-entity licenses. Its consumer assistance process takes insurance complaints and requests for help; the licensee lookup displays license status and expiration. 4,5,6

Surplus-lines tax and stamping office

Reported tax rate: 6% of premium and fees, plus 0.175% SLAS transaction fee For Oklahoma-home-state placements, OID says the 6% surplus-lines tax base includes premium and fees; SLIP also bills a 0.175% SLAS transaction fee. Oklahoma law requires a policy notice that surplus-lines coverage has no guaranty-association protection, so ask your broker to itemize the tax and transaction fee. 7,8,9

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 the product is available in Oklahoma. Check the regulator’s license lookup and confirm state availability for your business when requesting a quote.

  • TechInsuranceSpecialty Program Group LLCInsurance producer · checked 2026-09-28TechInsurance’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. 15TechInsurance arranges inland marine coverage for contractors’ tools and equipment.

Questions to Ask Before You Buy in Oklahoma

  1. Does the property include a dam, dry dock, bridge, or tunnel, and which perils are insured?
  2. Is the quote commercial inland marine, which the checklist treats as exempt from rate filing, or personal inland marine, which is not?
  3. Which items are in transit versus at your premises?

Tools, Equipment And Inland Marine in Oklahoma: FAQ

Does Oklahoma's marine definition mention dams? 1

Yes. The Senate Title 36 compilation includes dams and appurtenant facilities for the control of waterways among aids to navigation and transportation in the marine-insurance section. 1

Is personal inland marine exempt from Oklahoma rate and rule filing? 3,2

No. The Department's personal inland marine checklist says personal inland marine is not exempted from filing rates and rules. The commercial checklist says commercial inland marine is exempt under 36 O.S. § 997. 3,2

Tools, Equipment And Inland Marine in Other States

Other Coverage in Oklahoma

Sources

  1. Oklahoma Statutes Title 36. Oklahoma Senate; December 2019 compilation: § 705 marine insurance, including dams; § 997 inland marine filing exemption. Accessed 2026-09-29.
  2. Commercial Inland Marine Review Checklist. Oklahoma Insurance Department; October 17, 2017: commercial inland marine exempt from filing rates and rules under 36 O.S. § 997. Accessed 2026-09-29.
  3. Personal Inland Marine Review Checklist. Oklahoma Insurance Department; October 17, 2017: personal inland marine is not exempt from filing rates and rules. Accessed 2026-09-29.
  4. oklahoma insurance regulator. State insurance regulator; OID identifies its licensing division's licensing and education responsibilities and consumer-assistance links. Accessed 2026-09-28.
  5. OID Licensee Look Up. State insurance regulator; Instructions: choose Oklahoma, LICENSEE, and individual or business entity; search status, expiration, appointments, and license details. Accessed 2026-09-28.
  6. OID File an Online Complaint. State insurance regulator; Official online Request for Assistance/complaint filing instructions and submission form. Accessed 2026-09-28.
  7. Financial FAQs. Oklahoma Insurance Department; Current OID FAQ states the surplus-lines tax is 6% of premium plus policy fees; quarterly remittance. Accessed 2026-09-28.
  8. Bulletin No. 12-2023. Oklahoma Insurance Department; For policies and endorsements effective on or after Jan. 1, 2024: 6% surplus-lines tax plus 0.175% SLAS transaction fee, paid through SLIP. Accessed 2026-09-28.
  9. Oklahoma Statutes, Title 36 §1109. Oklahoma Senate; Policy must carry bold declaration-page notice that surplus-lines contracts are not subject to any guaranty association protection in liquidation or receivership. Accessed 2026-09-28.
  10. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  11. 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.
  12. 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.
  13. 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.
  14. 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.
  15. 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.
  16. 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 .

This guide is informational and does not determine whether a policy is available or meets your needs. Editorial policy. To suggest a correction, contact Spot with a supporting source.

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