Product background
Commercial inland marine covers commercial property that is movable, in transit, held by a bailee, scheduled, or otherwise tied to transportation, communication, construction, installation, or similar movable-property exposures.
Commercial inland marine filings are useful for studying contractors equipment, installation floaters, builders risk, bailees coverage, scheduled property, valuation, transit, storage, and loss payable wording.
Common filing signals
- Commercial inland marine coverage forms, floaters, declarations, and schedules
- Contractors equipment, installation, builders risk, bailees, transit, communication equipment, and leased property forms
- Valuation, coinsurance, protective safeguards, loss payable, deductible, and territory provisions
Rate impact
Filings
206
Carriers
36
Avg impact
+2.2%
Max increase
+95.0%
Max decrease
-48.4%
Rate impact by state
| State | Filings | Avg |
|---|---|---|
| MT | 16 | +4.0% |
| ID | 15 | +1.5% |
| MO | 15 | +5.5% |
| NC | 10 | +4.7% |
| OR | 10 | +0.9% |
| VT | 10 | -2.0% |
| GA | 9 | +1.2% |
| CA | 8 | -19.6% |
Largest average moves
| Carrier | Avg | Filings |
|---|---|---|
| Courtesy Insurance Company10 states | +53.4% | 11 |
| Hartford Fire & CAS Group1 states | -43.2% | 1 |
| Sentry Insurance Group1 states | +29.4% | 1 |
| Everest Reins Holdings Group3 states | -25.0% | 3 |
| Arch Insurance Group1 states | -25.0% | 1 |
| Hannover Group1 states | -25.0% | 1 |
| Western National Mutual Group2 states | -18.3% | 2 |
Notable rate impact filings
| Date | Carrier | State | Product | Impact | Max change |
|---|---|---|---|---|---|
| Oct 31, 2025 | Courtesy Insurance Company | IN | in 2025 Gap Rates | +95.0% | +95.0% |
| Nov 3, 2025 | Courtesy Insurance Company | KS | Ks 2025 Gap Rates | +80.0% | +80.0% |
| Aug 15, 2025 | Courtesy Insurance Company | MA | Ma 2025 Gap Rates | +80.0% | +80.0% |
| Nov 12, 2025 | Courtesy Insurance Company | MT | Mt 2025 Gap Rates | +75.0% | +75.0% |
| May 21, 2026 | Courtesy Insurance Company | MO | Mo 2026 Gap Rates | +70.0% | +70.0% |
| Aug 29, 2025 | THE Hanover Insurance Group | CA | Cl Other Commercial Multi-Peril 25 | -48.4% | -45.0% |
| Aug 29, 2025 | THE Hanover Insurance Group | CA | Cl Other Commercial Multi-Peril 25 | -48.4% | +45.0% |
| Aug 29, 2025 | THE Hanover Insurance Group | CA | Cl Other Commercial Multi-Peril 25 | -48.4% | -45.0% |
Recent updates
| Product | Carrier | Status | Filings | Latest |
|---|---|---|---|---|
| Commercial Inland Marine | Chubb Limited Group | Revised | 45 | Aug 11, 2026 |
| - Cornerstone Complete Equipment Breakdown Endorsement | American Financial Group | Revised | 15 | Aug 11, 2026 |
| Hp ISO - Rate Services Organization 26 | THE Hanover Insurance Group | Other | 4 | Aug 11, 2026 |
| Cm-50927 | State Farm Group | Revised | 1 | Aug 11, 2026 |
| Media, Arts & Entertainment – Commercial Inland Marine | Hartford Fire & CAS Group | New | 52 | Aug 10, 2026 |
| Commercial Inland Marine | Liberty Mutual Group | New | 27 | Aug 10, 2026 |
Top carriers
WR Berkley Corporation Group311
Markel Corporation Group224
AXA Insurance Group175
THE Hanover Insurance Group166
Sompo Group164
IFG Company Group162
American Financial Group148
OLD Republic Group125
Top states
MT233
OR181
MO178
LA168
CT148
NE140
VT140
WI140