It has taken us quite awhile to get to this month’s topic, Inland Marine. This is a varied and flexible line of business. While it shares elements that are found in Property, Automobile, Ocean Marine and Liability coverage, it also has features that are quite distinct from any of its peer lines of business.

Inland Marine coverages exist in two different worlds and state regulators can’t agree on whether a given coverage should be subject to filing laws. For most of the time that insurance has existed, there has not been a standard definition of what constitutes an inland marine exposure. While saying that property capable of being easily transported is a solid way to identify some types of inland marine exposure, it isn’t the only way. Inland marine includes some types of property that is, for all intents, immovable, such as tunnels, bridges and other property that facilitates non-marine travel.

The latest and still existing, standard for identifying inland marine exposures was created by the National Association of Insurance Commissioners (NAIC). Originally written in 1933, the NAIC’s Nation-Wide Inland Marine Definition was last revised in 1976. It still acts as the major source used by states to guide their approach in recognizing what classes of property are members of the Inland Marine Family.

In this month’s update, we have taken a new look at our Inland Marine offerings. We are presenting you with a host of analyses of products from Insurance Services Office and the American Association of Insurance Services. You will find write-ups on both controlled (subject to state filing laws) and non-controlled types of IM coverage. We also have a section containing several articles of historical value which are useful for sake of reference.

Along with refreshing and reorganizing our Inland Marine Section, we also offer the following court cases:

• Whether stolen gems would be covered according to their replacement cost
• Are loss of an employee’s tools the responsibility of his employer?
• How much is owed on guns that didn’t have sufficient proof of value?
• Were valuable papers in transit or in storage at the time of loss?

We hope that you find this information useful in your efforts to serve the insuring public.

Sincerely,

Bruce Hicks, CLU, CPCU

Senior Editor

140.1 Nationwide Marine Definition

140.2 Who Needs Inland Marine Coverage

140.3 Commercial Inland Marine Conditions

140.4 ISO Inland Marine Coinsurance Provision

141.1 ISO Inland Marine Controlled Lines Overview

141.2 ISO Accounts Receivables Coverage Form

141.3 ISO Camera and Musical Instruments Dealers Coverage Form

141.4 ISO Commercial Articles Coverage Form

141.5 ISO Equipment Dealers Coverage Form

141.6 ISO Film Coverage Form

141.7 ISO Floor Plan Coverage Form

141.8 ISO Jewelers Block Coverage Form

141.9 ISO Mail Coverage Form

141.10 ISO Physicians and Surgeons Coverage Forms

141.11 ISO Signs Coverage Form

141.12 ISO Theatrical Property Coverage Form

141.13 ISO Valuable Papers Coverage Form

142.1 AAIS Non-controlled Inland Marine Overview

142.2 AAIS Baillee's Customer Coverage Form

142.3 AAIS Builder's Risk Coverage Form

142.4 AAIS Contractors Equipment Coverage Form

142.5 AAIS Difference in Conditions Coverage Form

142.6 AAIS Electronic Data Processing Coverage Form

142.7 AAIS Fine Arts Coverage Form

142.8 AAIS Installation Floater Coverage Forms

142.9 AAIS Installment Sales Coverage Form

142.10 AAIS Miscellaneous Floaters

142.10-1 AAIS Scheduled Property Floater Coverage Form

142.10-2 AAIS Patterns and Dies Floater Coverage Form

142.10-3 AAIS Exhibition Floater Coverage Form

142.10-4 AAIS Sales Representative Floater Coverage Form

142.10-5 AAIS Golf Cart Coverage Form

142.10-6 AAIS Golf Course Coverage Form

142.11 AAIS Motor Truck Cargo Coverage Form

142.12 AAIS Radio and T.V. Towers and Equipment Coverage Form

142.13 AAIS Riggers’ Liability Coverage Form

142.14 AAIS Transit Coverage Form

142.15 AAIS Warehouse Operators Legal Liability Coverage Form

143.1 Inland Marine Historical Forms Overview

143.1-1 Furriers Block Policy

143.1-2 Furriers’ Customers Policy

143.1-3 Furriers’ Customers Excess Legal Liability Endorsement

143.1-4 Furriers Customers Certification Endorsement

143.2 Garment Contractors Insurance

100_0000 Commercial Property Insurance Volume Table Of Contents

200_0000 Business Automobile Insurance Volume Table Of Contents

140.2 Nation-Wide Marine Definition

151.3 Commercial Inland Marine Insurance Prospect List

152.2 Commercial Inland Marine Conditions

152.3 Commercial Inland Marine Coverage Forms

153.3 Contractors Equipment Insurance

153.4 Bailees' Customers Policy

153.6 Accounts Receivable Insurance

153.6-1 Valuable Papers and Records Insurance

153.7 Furriers' Customers Policy

153.8 Furriers' Customers Certification Endorsement

153.9 Furriers' Customers Excess Legal Liability Endorsement

153.10 Furriers' Block Policy

153.12 Interstate Commerce Endorsement-Cargo

153.13 Jewelers Block Coverage Policy

153.15 Motor Truck Cargo Carriers Policy

153.16 Motor Truck Cargo Owners Policy

153.17 Signs Coverage Form

153.18 Installation Floater

153.19 Installment Sales Floater

153.20 Physicians and Surgeons Equipment Insurance

153.29 Garment Contractors Insurance

153.30 Commercial Articles Coverage Form

153.31 Mail Coverage Form

153.32 Theatrical Property Coverage Form

153.33 Film Coverage Form

153.34 Floor Plan Form

153.36 Equipment Dealers Form

153.40 Camera and Musical Instrument Dealers Form

153.41 Commercial Fine Arts Coverage Form

220.6-7 Utah Automobile No-Fault Insurance

220.6-10 Arkansas First Party Coverage

220.6-11 Colorado Auto Accident Reparations Act

220.6-13 District Of Columbia Personal Injury Protection

220.6-14 Delaware Motorist Protection Act

220.6-15 Florida Automobile Reparations Reform Act

220.6-17 Hawaii Motor Vehicle Reparations Reform Act

220.6-18 Kansas Automobile Injury Reparations Act

220.6-19 Kentucky No-Fault Automobile Insurance Law

220.6-20 Massachusetts Personal Injury Protection Plan

220.6-21 Maryland Primary Coverage For Economic Loss

220.6-22 Michigan No-Fault Automobile Insurance Law

220.6-23 Minnesota No-Fault Automobile Insurance Act

220.6-24 North Dakota Auto Accident Reparations Act

220.6-25 New Jersey Automobile Reparations Reform Act

220.6-26 New York Comprehensive Automobile Insurance Reparations Act

220.6-27 Oregon Motor Vehicle Insurance Benefits

220.6-28 Pennsylvania No-Fault Motor Vehicle Insurance Act

220.6-29 South Dakota Supplemental Coverages

[153_C019] Jewelers Block Policy Covered Replacement Cost Of Jewelry (Classic)

[153_C020] Tools Of Employee Were Not Insured Under Binder Covering Employer’s Tools (Classic)

[153_C021] Scheduled Guns Were Held To Be Covered For Face Amount Of Policies (Classic)

[153_C022] Valuable Papers Were In Transit Rather Than In Storage (Classic)