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Oregon inland marine insurance and the non-manual filing exception

ORS 737.205 requires insurers to file rates and rating plans, then says that duty does not apply to inland marine risks which by general custom are not written according to manual rates or rating plans. The Division of Financial Regulation's personal inland marine checklist, Form 440-3627 revised February 2007, says filing of inland marine forms, rates, and rules is required unless the form is designed for use on a single policy. ORS chapter 731's marine definition was opened separately and is not restated here as a coverage promise. 1,2

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 Oregon

  • Custom Inland Marine Can Skip the Rate Filing

    ORS 737.205(1) states the filing duty and then exempts inland marine risks which by general custom of the business are not written according to manual rates or rating plans. A one-off shipment or a specially described piece of equipment may be in that exception. A class the market writes to a manual may not. Ask which one this quote is. 1

  • Personal Inland Marine Is Filed Unless It Is a Single Policy

    Form 440-3627 says filing of inland marine forms, rates, and rules is required unless the form is designed for use on a single policy. A personal jewelry or musical-instrument floater that uses a standard form is not in that single-policy exception. The checklist revision date on the form is February 7, 2007. 2

  • Read the Marine Kind Separately From the Filing Rule

    ORS chapter 731 includes marine and transportation insurance among kinds of insurance. The filing exception in ORS 737.205 does not tell you whether tools in a truck, goods on a job site, or a highway vehicle are covered. Ask the form those questions directly. 3,1

Who Regulates Insurance in Oregon

Oregon Division of Financial Regulation

DFR handles complaints about most insurance lines and provides Oregon license checks for agents, agencies, and insurers. You can use its consumer complaint form if an insurer or agent is not following Oregon law or rules. 4,5,6

Surplus-lines tax and stamping office

Reported tax rate: 2% of Oregon-home-state gross premiums, plus 0.3% on premium or fees for fire marshal For Oregon-home-state risks, the surplus-lines licensee must collect a 2% tax on gross premiums and a 0.3% fire-marshal tax on premium or fees, in addition to the premium. Oregon requires the policy to warn that losses will not be paid by the state guaranty fund; the exempt-commercial-purchaser search exception requires admitted-market disclosure and a written request. 7,8,9,10

Surplus Line Association of Oregon

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 Oregon. 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. 16TechInsurance arranges inland marine coverage for contractors’ tools and equipment.

Questions to Ask Before You Buy in Oregon

  1. Is this risk written to a manual rating plan, or is it a non-manual inland marine risk?
  2. If the floater is personal, is the form a single-policy manuscript or a filed standard form?
  3. Which locations and vehicles are on the schedule?

Tools, Equipment And Inland Marine in Oregon: FAQ

Does every Oregon inland marine rate have to be filed? 1

No. ORS 737.205(1) says the rate-filing subsection does not apply to inland marine risks which by general custom are not written according to manual rates or rating plans. 1

When can an Oregon personal inland marine form skip filing? 2

Form 440-3627 says filing of inland marine forms, rates, and rules is required unless the form is designed for use on a single policy. 2

Tools, Equipment And Inland Marine in Other States

Other Coverage in Oregon

Sources

  1. Oregon Revised Statutes Chapter 737. Oregon Legislative Assembly; ORS 737.205(1) inland marine exception to rate filing. Accessed 2026-09-29.
  2. Form 440-3627, Personal Inland Marine Standards. Oregon Division of Financial Regulation; Revision 02/07: filing required unless the form is for a single policy. Accessed 2026-09-29.
  3. Oregon Revised Statutes Chapter 731. Oregon Legislative Assembly; Marine and transportation insurance among kinds of insurance. Accessed 2026-09-29.
  4. oregon insurance regulator. State insurance regulator; DFR homepage identifies consumer, licensing, and complaint services. Accessed 2026-09-28.
  5. DFR Check a License. State insurance regulator; Insurance industry section links Oregon agent, agency, and company license-status search in NAIC SBS. Accessed 2026-09-28.
  6. DFR File a Complaint. State insurance regulator; Online insurance complaint form; DFR says it can review whether a company or agent follows Oregon law and rules. Accessed 2026-09-28.
  7. Oregon Revised Statutes §735.470. Oregon Legislature; Subsections (1)(a)–(c), (4): 2% on Oregon-home-state gross premiums plus 0.3% of premium or fees for fire marshal; licensee collects taxes in addition to premium. Accessed 2026-09-28.
  8. Oregon Revised Statutes §§735.405, 735.410, 735.470. Oregon Legislature; ORS 735.470(1)(a) taxes Oregon-home-state risks; ORS 735.418 authorizes interstate allocation procedures. Accessed 2026-09-28.
  9. Surplus Lines Insurance. Oregon Division of Financial Regulation; Page states surplus-lines insurance through a nonlicensed insurer is not protected by the Oregon Insurance Guaranty Association. Accessed 2026-09-28.
  10. Oregon Revised Statutes §§735.405, 735.410 and 735.415. Oregon Legislature; 2025 Edition online text: §§735.405(6), 735.410(1)–(2), 735.415(1)(b)–(2); current chapter text includes the ECP definition, diligence rule, disclosure/written-request exception, and policy warning against guaranty fund coverage. 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.

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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