--- title: "Texas inland marine insurance: commercial exemption and personal prior approval" description: "Texas exempts commercial inland marine from form and rate filing chapters and puts personal inland marine on prior approval for forms." canonical: "https://spot.insure/coverage/inland-marine/texas" 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/texas) # Texas inland marine insurance: commercial exemption and personal prior approval TDI's commercial inland marine checklist, updated November 10, 2021, says some inland marine classes are non-filed and tells filers to use the Texas definition in 28 TAC §§ 5.5001–5.5008 to decide. The May 2025 Filings Made Easy guide lists commercial inland marine as exempt from Insurance Code chapter 2301 form filing and chapter 2251 rate filing. It lists personal inland marine as prior approval for forms and file-and-use for rates. The current rule text on the Texas Register viewer did not open.[^1][^2] **Coverage:** [Tools, equipment and inland marine](/coverage/inland-marine) · [Texas](/coverage/states/texas) ## 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 Texas ### Non-Filed Commercial Classes Depend on the Rule Definition The checklist says some classes of inland marine are non-filed and points filers to 28 TAC §§ 5.5001–5.5008. Those rule sections did not open on the current register viewer, so this guide does not restate their subclasses. Ask the insurer which section it used to call your equipment or shipment non-filed, and read the form for theft, transit, and premises terms.[^1] ### Personal Inland Marine Forms Are Prior Approval The May 2025 Filings Made Easy guide lists personal inland marine as prior approval for forms and file-and-use for rates. A personal article floater is not on the commercial exemption. Ask which track the quote is on before you compare it with a contractors' equipment policy.[^2] ### Commercial Inland Marine Is Exempt From Two Filing Chapters The same guide lists commercial inland marine as exempt from chapter 2301 form filing and chapter 2251 rate filing. An exemption from filing is not an exemption from exclusions. Ask for the issued form even when TDI did not have to approve it.[^2] ## Who Regulates Insurance in Texas **Texas Department of Insurance.** TDI licenses agents and insurers, reviews company rate filings, and investigates complaints against insurance companies and people it regulates. Its complaint page states limits on what it can resolve, including disputes outside its regulatory authority.[^3][^4][^5] - [Regulator website](https://www.tdi.texas.gov/) - [License lookup](https://www.tdi.texas.gov/agent/agent-lookup.html) - [File a complaint](https://www.tdi.texas.gov/consumer/complaint-home.html) ### Surplus-Lines Tax and Stamping Office **Reported tax rate:** 4.85% of gross premium plus 0.04% SLTX stamping fee When Texas is the insured’s home state, the state tax is 4.85% of gross premium; absent a compact allocation agreement, a multistate policy can be taxed on its entire premium. Policies effective on or after Jan. 1, 2024 also carry a 0.04% stamping fee; SLTX invoices the broker and says the insured pays it, and the surplus-lines insurer is not covered by the Texas guaranty association.[^6][^7][^8] [Surplus Lines Stamping Office of Texas](https://www.sltx.org/) ## 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 Texas; [check the regulator’s license lookup](https://www.tdi.texas.gov/agent/agent-lookup.html) 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 Texas 1. Is this commercial inland marine, which the 2025 guide treats as filing-exempt, or personal inland marine on prior approval? 2. Which 28 TAC section did the insurer use to decide the class is non-filed? 3. What does the form say about property in a vehicle, at a job site, and at your premises? ## Tools, Equipment And Inland Marine in Texas: FAQ ### Does Texas require commercial inland marine forms to be filed under chapter 2301? No. TDI's May 2025 Filings Made Easy guide lists commercial inland marine as exempt from Insurance Code chapter 2301 form filing and chapter 2251 rate filing.[^2] ### Are Texas personal inland marine forms prior approval? Yes. The May 2025 guide lists personal inland marine as prior approval for forms and file-and-use for rates.[^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) - [Ohio](/coverage/inland-marine/ohio) - [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) - [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 Texas](/coverage/states/texas) ## Sources [^1]: [Commercial Inland Marine Review Checklist](https://www.tdi.texas.gov/commercial/pcckimc.html) — Texas Department of Insurance; Updated November 10, 2021: non-filed classes and 28 TAC §§ 5.5001–5.5008. Accessed 2026-09-29. [^2]: [Filings Made Easy](https://www.tdi.texas.gov/pubs/pc/fmeguide0525.pdf) — Texas Department of Insurance; May 2025: commercial inland marine filing exemption; personal inland marine prior approval and file-and-use. Accessed 2026-09-29. [^3]: [texas insurance regulator](https://www.tdi.texas.gov/) — State insurance regulator; TDI regulator page outlines licensing, financial oversight, compliance/enforcement, and rate review.. Accessed 2026-09-28. [^4]: [How to Find a Licensed Insurance Agent or Adjuster](https://www.tdi.texas.gov/agent/agent-lookup.html) — State insurance regulator; TDI says search by agent name or license number and links to the state license search.. Accessed 2026-09-28. [^5]: [Get Help with an Insurance Complaint](https://www.tdi.texas.gov/consumer/complaint-home.html) — State insurance regulator; Direct complaint page explains covered entities, exclusions and online filing; Help Line 800-252-3439.. Accessed 2026-09-28. [^6]: [Texas Insurance Code §§225.002–225.004](https://statutes.capitol.texas.gov/Docs/IN/pdf/IN.225.pdf) — Texas Legislature; §225.002 limits chapter to Texas-home-state insured; §225.004(a) 4.85%; (a-1) NRRA home-state limitation; (c) entire premium where Texas is home state and no compact agreement.. Accessed 2026-09-28. [^7]: [Stamping Fees & Taxes](https://www.sltx.org/brokers/billing-information/stamping-fees-taxes/) — Surplus Lines Stamping Office of Texas; Current policy-date table lists 0.04% for inception 1/1/2024 and after; stamping fee invoices go to brokers; site says fee is paid by insured.. Accessed 2026-09-28. [^8]: [Texas Surplus Lines Companies](https://www.tdi.texas.gov/insurer/surpluslines.html) — Texas Department of Insurance; TDI says surplus-lines insurers are not licensed in Texas and its guaranty association member; eligibility/disclaimer and broker financial-responsibility details.. 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). 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