--- title: "Pennsylvania inland marine insurance and the deleted installment-sales class" description: "Pennsylvania adopted a 1953 nationwide marine definition, then deleted installment-sales floaters from that class and required them to be rate-filed." canonical: "https://spot.insure/coverage/inland-marine/pennsylvania" 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/pennsylvania) # Pennsylvania inland marine insurance and the deleted installment-sales class Pennsylvania's Insurance Department adopted the Nation Wide Definition of marine insurance that the NAIC adopted on June 12, 1953. Chapter 91 of the Pennsylvania Code still prints an installment-sales and leased-property floater. Section 112.3 says that class was deleted from the marine definition and must be rate-filed. Use the deletion, not the older chapter sentence, when a lender or lessor asks for a floater.[^1][^2] **Coverage:** [Tools, equipment and inland marine](/coverage/inland-marine) · [Pennsylvania](/coverage/states/pennsylvania) ## 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 Pennsylvania ### Installment Sales and Leased Property Left the Marine Definition The opened chapter 91 text still contains § 91.8(b)(12), which says installment-sales and leased-property policies shall cover property in transit, shall not extend beyond termination of the seller's or lessor's interest, and may not cover certain property. Section 112.3 says that class was deleted from the marine definition and must be rate-filed. If a lessor asks you to insure leased equipment as inland marine, ask whether the current rule still allows that class.[^1][^2] ### The Adopted Definition Is the 1953 Text Section 91.1 says the Department adopted the Nation Wide Definition of marine insurance adopted by the NAIC on June 12, 1953, in San Francisco. That is an older text than the 1976 definition some other states cite. Do not substitute another state's 1976 subclasses for a Pennsylvania filing question.[^1] ### If the Old Floater Sentence Still Describes Your Form, Stop at the Lessor's Interest Where a form still follows the chapter 91 installment or leased-property wording, transit coverage is part of the class and coverage is not supposed to outlast the seller's or lessor's interest. Ask the insurer which sentence controls: the chapter 91 text or the deletion in § 112.3. Then match the quote to the interest that actually exists.[^1][^2] ## Who Regulates Insurance in Pennsylvania **Pennsylvania Insurance Department.** The Pennsylvania Insurance Department publishes state tools to check licensed producers, agencies, and insurers, and its Consumer Services Online portal accepts complaints about insurers, agents, brokers, and public adjusters. The department also oversees Pennsylvania insurance business and consumer services.[^3][^4][^5] - [Regulator website](https://www.pa.gov/agencies/insurance.html) - [License lookup](https://www.pa.gov/agencies/insurance/resources/search-tool-library) - [File a complaint](https://www.pa.gov/services/insurance/file-a-complaint-with-your-insurance-company-agent-broker-or-public-adjuster) ### Surplus-Lines Tax and Stamping Office **Reported tax rate:** 3% of gross premium (2% for eligible surplus-lines risk retention groups) Pennsylvania charges 3% of gross surplus-lines premiums (2% for an eligible surplus-lines risk-retention group); the tax is in addition to premium, is borne by the insured, and is collected by the producer. For multistate risks, the 2025 Revenue instructions say all gross premiums are taxable when Pennsylvania is the home state, while Insurance Company Law §1621(d) says tax is levied only on premium reasonably ascribable to Pennsylvania risk; confirm allocation with your producer or the state. Surplus-lines coverage is excluded from the guaranty association, and qualifying large risks or exempt commercial purchasers may use distinct no-search routes, with the ECP route requiring disclosure and written request.[^6][^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 that the product is available in Pennsylvania; [check the regulator’s license lookup](https://www.pa.gov/agencies/insurance/resources/search-tool-library) and confirm state availability for your business when requesting a quote. - [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 Pennsylvania 1. Is this leased or installment-sales property, and has the insurer treated it as deleted from marine under § 112.3? 2. Whose interest is insured, and when does that interest end? 3. Are tools you own scheduled separately from property a lessor still owns? ## Tools, Equipment And Inland Marine in Pennsylvania: FAQ ### Are installment-sales floaters still marine insurance in Pennsylvania? Section 112.3 says that class was deleted from the marine definition and must be rate-filed. Chapter 91 still prints the older installment-sales and leased-property wording, so ask which text the insurer is applying.[^2][^1] ### Which nationwide marine definition did Pennsylvania adopt? Section 91.1 says the Department adopted the Nation Wide Definition of marine insurance adopted by the NAIC on June 12, 1953.[^1] ## 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) - [Ohio](/coverage/inland-marine/ohio) - [Oklahoma](/coverage/inland-marine/oklahoma) - [Oregon](/coverage/inland-marine/oregon) - [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 Pennsylvania](/coverage/states/pennsylvania) ## Sources [^1]: [31 Pa. Code Chapter 91, Nation-Wide Marine Definition](https://www.pacodeandbulletin.gov/secure/pacode/data/031/chapter91/031_0091.pdf) — Pennsylvania Code; § 91.1 adoption of the June 12, 1953 definition; § 91.8(b)(12) installment sales and leased property. Accessed 2026-09-29. [^2]: [31 Pa. Code § 112.3](https://www.pacodeandbulletin.gov/Display/pacode?file=/secure/pacode/data/031/chapter112/s112.3.html) — Pennsylvania Code; Installment-sales and leased-property class deleted from the marine definition and required to be rate-filed. Accessed 2026-09-29. [^3]: [pennsylvania insurance regulator](https://www.pa.gov/agencies/insurance.html) — State insurance regulator; PID official agency page and the search/consumer-help service map.. Accessed 2026-09-28. [^4]: [Pennsylvania Insurance Industry Search Tool Library](https://www.pa.gov/agencies/insurance/resources/search-tool-library) — State insurance regulator; PID identifies consumer Sircon and detailed individual, business-entity, and company search tools.. Accessed 2026-09-28. [^5]: [File a Complaint with Your Insurance Company, Agent, Broker, or Public Adjuster](https://www.pa.gov/services/insurance/file-a-complaint-with-your-insurance-company-agent-broker-or-public-adjuster) — State insurance regulator; PID directs insurance complaints and questions to its Consumer Services Online portal.. Accessed 2026-09-28. [^6]: [RCT-123 Gross Premiums Tax - Surplus Lines Agents (2025)](https://www.pa.gov/content/dam/copapwp-pagov/en/revenue/documents/formsandpublications/formsforbusinesses/corporationtax/documents/2025/2025_rct-123.pdf) — Pennsylvania Department of Revenue; Instructions p. 4, imposition/base/rate: 3% on gross premiums; insured bears tax, producer collects/remits; RRG exception 2% per statute.. Accessed 2026-09-28. [^7]: [Insurance Company Law, §1621](https://www.legis.state.pa.us/WU01/LI/LI/US/HTM/2010/0/0014..HTM) — Pennsylvania General Assembly; Subsection (d): multi-state tax is levied only on premium reasonably ascribable to Pennsylvania risk. This differs from the 2025 RCT-123 instructions, which state all gross premiums taxable if PA is home state; see source tax.. Accessed 2026-09-28. [^8]: [Insurance Department Act, surplus-lines notice provision](https://www.legis.state.pa.us/WU01/LI/LI/US/HTM/1992/0/0178..HTM) — Pennsylvania General Assembly; Policy legend: insurer is not licensed and surplus-lines insurance is NOT covered by Pennsylvania Insurance Guaranty Association.. Accessed 2026-09-28. [^9]: [Pennsylvania Insurance Company Law §§1604 and 1610 (40 P.S. §§991.1604, 991.1610)](https://www.legis.state.pa.us/WU01/LI/LI/US/HTM/2011/0/0028..HTM) — Pennsylvania General Assembly; Act 28 of 2011 §1610(a), (a.1): large-risk criteria and ECP disclosure followed by written request exempt from diligent-search requirements.. Accessed 2026-09-28. [^10]: [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. [^11]: [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. [^12]: [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. [^13]: [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. [^14]: [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. [^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). 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