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.
What forms make up a commercial inland marine policy
An AAIS and ISO commercial inland marine policy is built from coverage forms, a declarations page and endorsements. The coverage forms filed by the most carrier groups are CM 00 66 Accounts Receivable Coverage Form (edition 01 13, filed by 29 carrier groups), CM 00 67 Valuable Papers and Records Coverage Form (27) and IM 7451 Motor Truck Cargo Legal Liability Coverage (23). CM DS 02 Advisory Commercial Inland Marine Declarations is the declarations page. Widely filed endorsements and conditions include CM 00 01 Commercial Inland Marine Conditions (47), CM 99 08 Cyber Incident Exclusion (29), and CM 99 12 Exclusion of Loss Due to Virus or Bacteria (27).
All AAIS IM formsAll ISO CM formsCommercial inland marine forms by insurer
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
| State | Filings | Avg |
|---|---|---|
| MT | 17 | +9.9% |
| ID | 16 | -1.7% |
| MO | 15 | -0.5% |
| GA | 12 | -3.8% |
| NC | 12 | +1.9% |
| VT | 11 | -3.2% |
| IN | 10 | -10.7% |
| MD | 9 | -6.8% |
| Carrier | Avg | Filings |
|---|---|---|
| Sentry Insurance Group17 states | +48.7% | 17 |
| Courtesy Insurance Company5 states | +43.6% | 7 |
| Munich RE Group9 states | -26.2% | 9 |
| IAT Reins Company Group9 states | -25.1% | 9 |
| Everest Reins Holdings Group10 states | -25.0% | 10 |
| THE Hanover Insurance Group8 states | -19.8% | 10 |
| Grange Mutual CAS Group5 states | -13.4% | 5 |
| Date | Carrier | State | Product | Impact | Max change |
|---|---|---|---|---|---|
| Aug 26, 2026 | Sentry Insurance Group | ID | Commercial Inland Marine | +101.7% | +220.9% |
| Aug 13, 2026 | Sentry Insurance Group | NC | Commercial Inland Marine | +88.3% | +345.5% |
| Sep 16, 2026 | Courtesy Insurance Company | MT | Mt 2026 Warranty Rates | +75.0% | +75.0% |
| Nov 12, 2025 | Courtesy Insurance Company | MT | Mt 2025 Gap Rates | +75.0% | +75.0% |
| Aug 27, 2026 | Sentry Insurance Group | UT | Commercial Inland Marine | +73.7% | +244.5% |
| May 21, 2026 | Courtesy Insurance Company | MO | Mo 2026 Gap Rates | +70.0% | +70.0% |
| Sep 14, 2026 | Sentry Insurance Group | NE | Commercial Inland Marine | +60.5% | +142.5% |
| Aug 13, 2026 | Sentry Insurance Group | ND | Commercial Inland Marine | +60.5% | +85.1% |
Recent updates
| Product | Carrier | Status | Filings | Latest |
|---|---|---|---|---|
| Cm-50481 (Refile) | State Farm Group | Revised | 1 | Nov 10, 2026 |
| Commercial Inland Marine | Tokio Marine Holdings Incorporated Group | Revised | 17 | Nov 9, 2026 |
| Ff034 | Markel Corporation Group | Other | 2 | Nov 9, 2026 |
| Aais Unmanned Aircraft Form, Rate and Lc Revisions - Delay | Markel Corporation Group | Other | 1 | Nov 9, 2026 |
| Commercial Inland Marine | Chubb Limited Group | Revised | 104 | Nov 6, 2026 |
| Commercial Inland Marine | Liberty Mutual Group | New | 23 | Nov 6, 2026 |