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Virginia inland marine insurance and the highway-vehicle boundary

Virginia defines marine insurance to include vehicles of every kind, excluding vehicles operating under their own power or while in storage not incidental to transportation, together with goods and cargoes connected with transit. The State Corporation Commission says listed commercial inland marine classes are not within the filing exemption. Those classes include accounts receivable, cameras, equipment dealers, and signs, among others. A truck moving under its own power is not in the vehicle clause that the marine definition does cover. 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 Virginia

  • A Truck Under Its Own Power Is Outside the Vehicle Clause

    Section 38.2-126(A)(1) includes vehicles of every kind, excluding vehicles operating under their own power or while in storage not incidental to transportation. Schedule a highway truck on an auto form. Use inland marine for cargo and for equipment that is not operating under its own power. The storage exclusion in that parenthesis is about those vehicles, not about every other kind of property. 1

  • Listed Commercial Classes Are Not Filing-Exempt

    The SCC exemptions page says that, except for listed commercial inland marine classes, certain inland marine is exempt from filing. The listed classes that are not exempt include accounts receivable; cameras; camera and musical instrument dealers; equipment dealers; film; floor plan; installment sales; and related dealer and block classes named on that page. An equipment-dealers floater is one of the classes that still has a filing path. Ask whether yours is on the list. 2

  • Goods in Transit Stay in the Marine Kind

    The same subsection covers goods, cargoes, and other property in connection with transit risks, including incidental delay and storage. Ask when that storage stops being incidental. Do not assume the vehicle exclusion cancels cargo cover for freight sitting on a trailer during a delivery. 1

Who Regulates Insurance in Virginia

Virginia State Corporation Commission, Bureau of Insurance

The Virginia State Corporation Commission, Bureau of Insurance administers Virginia insurance laws, oversees insurers and insurance producers within its authority, and provides regulatory and consumer resources. You can use the department's complaint process to raise an insurance issue and its licensing resources to check insurance professionals. 3,4,5

Surplus-lines tax and stamping office

Reported tax rate: 2.25% of premium plus up to 0.1% Bureau Special Fund assessment The NAIC's state chart lists a 2.25% of premium plus up to 0.1% Bureau Special Fund assessment charge for surplus-lines coverage for Virginia (the chart's state entries were reviewed in October 2025). Your broker may collect the applicable amount with the premium. Surplus-lines insurers are not licensed in the state and generally are outside state guaranty-association protection; ask your broker to explain the insurer's financial protections and any diligent-search requirement that applies to your placement. 6,7

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 Virginia. 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. 13TechInsurance arranges inland marine coverage for contractors’ tools and equipment.

Questions to Ask Before You Buy in Virginia

  1. Which units operate under their own power, and which are cargo or non-highway equipment?
  2. Is this an equipment-dealers or other listed class that the SCC does not treat as filing-exempt?
  3. How long may goods sit before storage is no longer incidental to transportation?

Tools, Equipment And Inland Marine in Virginia: FAQ

Does Virginia marine insurance include a truck while it is being driven? 1

No. Section 38.2-126 excludes vehicles operating under their own power, and vehicles in storage not incidental to transportation, from the vehicles included in marine insurance. 1

Are equipment-dealers policies filing-exempt in Virginia? 2

No. The State Corporation Commission exemptions page lists equipment dealers among commercial inland marine classes that are outside the filing exemption. 2

Tools, Equipment And Inland Marine in Other States

Other Coverage in Virginia

Sources

  1. Code of Virginia § 38.2-126. Virginia Legislative Information System; § 38.2-126(A)(1) vehicles operating under their own power excluded. Accessed 2026-09-29.
  2. Property and Casualty Filing Exemptions. Virginia State Corporation Commission; Commercial inland marine classes listed as not exempt, including equipment dealers. Accessed 2026-09-29.
  3. Virginia State Corporation Commission, Bureau of Insurance. Virginia State Corporation Commission, Bureau of Insurance; Official regulator website; insurance oversight and consumer/professional resources. Accessed 2026-09-28.
  4. Insurance Department Directory. National Association of Insurance Commissioners; Virginia State Corporation Commission, Bureau of Insurance entry; official contact and website listing. Accessed 2026-09-28.
  5. Surplus Lines Insurance Premium Taxes. National Association of Insurance Commissioners; VA row; state surplus-lines premium-tax rate reviewed October 2025. Accessed 2026-09-28.
  6. Guaranty Associations & Funds. National Association of Insurance Commissioners; Coverage of claims from insolvencies of insurers licensed in a state; surplus-lines insurers are nonadmitted. Accessed 2026-09-28.
  7. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  8. 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.
  9. 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.
  10. 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.
  11. 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.
  12. 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.
  13. 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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