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
189
Carriers
30
Avg impact
+3.7%
Max increase
+95.0%
Max decrease
-48.4%
Rate impact by state
| State | Filings | Avg |
|---|---|---|
| MT | 15 | +4.4% |
| MO | 14 | +5.9% |
| ID | 12 | +2.4% |
| OR | 10 | +0.9% |
| VT | 10 | -1.7% |
| GA | 9 | +2.7% |
| NC | 9 | +8.0% |
| CO | 8 | +0.7% |
Largest average moves
| Carrier | Avg | Filings |
|---|---|---|
| Courtesy Insurance Company10 states | +53.2% | 12 |
| Everest Reins Holdings Group3 states | -25.0% | 3 |
| Hannover Group1 states | -25.0% | 1 |
| Western National Mutual Group2 states | -18.3% | 2 |
| THE Hanover Insurance Group6 states | -16.2% | 9 |
| Travelers Group2 states | +12.8% | 2 |
| Ohio Indemnity Company27 states | +11.4% | 27 |
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% |
| Jul 3, 2025 | Courtesy Insurance Company | ND | Nd 2025 Gap Rates | +50.0% | +50.0% |
| 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 | OLD Republic Group | Revised | 49 | Jun 23, 2026 |
| Axis Builder'S Risk | Axis Capital Group | Revised | 46 | Jun 23, 2026 |
| Leased and Financed Equipment Property Program | Assurant Incorporated Group | Revised | 28 | Jun 23, 2026 |
| Commercial Inland Marine | Intact Financial Group | Revised | 3 | Jun 23, 2026 |
| Commercial Inland Marine | Grange Mutual CAS Group | Revised | 1 | Jun 23, 2026 |
| Entertainment, Leisure and Sports | AU Holding Company Group | Revised | 40 | Jun 22, 2026 |
Top carriers
WR Berkley Corporation Group328
Markel Corporation Group198
AXA Insurance Group175
THE Hanover Insurance Group156
IFG Company Group147
American Financial Group142
MS & AD Insurance Group123
Sompo Group119
Top states
MT220
MO173
OR171
LA164
CT147
WI136
MA131
NE129