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Washington inland marine insurance, separate from ocean marine rating

Washington defines marine and transportation insurance to include cargo connected with transit, including preparation, delay, and storage, and it names bridges, tunnels, piers, dry docks, and dams and appurtenant waterway controls. The rating chapter does not apply to vessels, their cargoes, marine builders' risks, marine protection and indemnity, and other risks commonly insured under marine, as distinguished from inland marine, contracts. Inland marine that is written to manual or class rates still has a filing rule, except individually rated risks that by custom are not written to a manual. 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 Washington

  • Ocean Marine and Inland Marine Are Not the Same Rating Exemption

    RCW 48.19.010(1)(e) removes insurance of vessels, their cargoes, marine builders' risks, marine protection and indemnity, and other risks commonly insured under marine, as distinguished from inland marine, insurance contracts, as the commissioner may define by ruling. An inland marine equipment floater does not get that vessel exemption. Ask which contract you are buying. 2

  • Manual Inland Marine Rates Are Filed

    RCW 48.19.030(1) requires manual or class rates for the part of marine and transportation insurance that is not exempt under RCW 48.19.010, except specific rates on inland marine risks individually rated, which are not reasonably susceptible to manual rating and which by general custom are not written according to manual rates. A contractors' equipment class with a manual is not that exception. 3

  • Dams, Piers, and Bridges Are Named, With Building Exclusions

    RCW 48.11.050(1)(d) includes bridges, tunnels, and other instrumentalities of transportation, excluding buildings, their furniture and furnishings, fixed contents, and supplies held in storage, plus piers, wharves, docks and slips, dry docks and marine railways, and dams and appurtenant facilities for the control of waterways. Ask whether a building or stored supplies on the project are outside that clause and need another form. 1

Who Regulates Insurance in Washington

Washington State Office of the Insurance Commissioner

The Washington State Office of the Insurance Commissioner administers Washington 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. 4,5,6

Surplus-lines tax and stamping office

Reported tax rate: 2% of premium The NAIC's state chart lists a 2% of premium charge for surplus-lines coverage for Washington (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. 7,8

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 Washington. Check the regulator’s license lookup and confirm state availability for your business when requesting a quote.

  • RisklyticsRisklytics, Inc.Insurance producer · checked 2026-09-28Risklytics’ 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. 14Risklytics arranges inland marine equipment coverage for robotics, hardware and AI businesses.
  • 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 Washington

  1. Is this ocean marine, which the rating chapter can exempt, or inland marine?
  2. Are the rates manual or class rates that must be filed, or an individually rated risk?
  3. Are buildings and stored supplies excluded from a bridge, pier, or dam form?

Tools, Equipment And Inland Marine in Washington: FAQ

Does Washington's marine rating exemption cover inland marine equipment floaters? 2

No. RCW 48.19.010(1)(e) exempts risks commonly insured under marine, as distinguished from inland marine, insurance contracts. Inland marine is the category the statute sets apart. 2

Does Washington's marine definition mention dams? 1

Yes. RCW 48.11.050 includes dams and appurtenant facilities for the control of waterways, along with bridges, tunnels, piers, wharves, docks, slips, dry docks, and marine railways. 1

Tools, Equipment And Inland Marine in Other States

Other Coverage in Washington

Sources

  1. RCW 48.11.050 Marine and transportation insurance. Washington State Legislature; Cargo in transit and subsection (1)(d) bridges, piers, and dams. Accessed 2026-09-29.
  2. RCW 48.19.010 Scope of chapter. Washington State Legislature; § (1)(e) marine risks distinguished from inland marine. Accessed 2026-09-29.
  3. RCW 48.19.030 Filing of rates. Washington State Legislature; Manual rates required except individually rated inland marine risks. Accessed 2026-09-29.
  4. Washington State Office of the Insurance Commissioner. Washington State Office of the Insurance Commissioner; Official regulator website; insurance oversight and consumer/professional resources. Accessed 2026-09-28.
  5. Insurance Department Directory. National Association of Insurance Commissioners; Washington State Office of the Insurance Commissioner entry; official contact and website listing. Accessed 2026-09-28.
  6. Surplus Lines Insurance Premium Taxes. National Association of Insurance Commissioners; WA row; state surplus-lines premium-tax rate reviewed October 2025. Accessed 2026-09-28.
  7. 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.
  8. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  9. 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.
  10. 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.
  11. 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.
  12. 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.
  13. About Risklytics. Risklytics; What we do; Who we insure; Licensing; Agency licenses table dated 2026-09-10. Accessed 2026-09-16.
  14. 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.
  15. 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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