Inland marine rate filings in Florida (2026)
Every carrier writing inland marine coverage in Florida files its rates and rating rules with the state's insurance regulator — the primary-source records behind every inland marine quote in Florida. This page tracks the 17 active inland marine filing(s) on record for Florida, filed by 14 distinct carrier(s).
Inland marine rate filings in Florida are reviewed by the Florida Department of Financial Services, Division of Insurance Agent and Agency Services. The governing authority is Florida Statutes Chapter 626 (Insurance Field Representatives and Operations). You can confirm any Florida carrier or agent is licensed with the state's license-lookup tool. A inland marine premium in Florida is built from each carrier's filed base rates and rating rules applied to your business's exposure — the classification of your operation and the rating basis for this line. Because every carrier files its own rates and loadings, two Florida businesses with the same profile can be quoted very different inland marine premiums, which is exactly why comparing multiple carriers is the only reliable way to see where you land.
Carriers with inland marine filings on record in Florida include AMERICAN HOME ASSURANCE COMPANY, HANOVER INSURANCE COMPANY (THE), ACE AMERICAN INSURANCE COMPANY, AMERICAN FAMILY HOME INSURANCE COMPANY, AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA, PENNSYLVANIA INSURANCE COMPANY, JM SPECIALTY INSURANCE COMPANY, GEICO MARINE INSURANCE COMPANY, UNITED SERVICES AUTOMOBILE ASSOCIATION, HARTFORD CASUALTY INSURANCE COMPANY, HARTFORD INSURANCE COMPANY OF THE MIDWEST, ACE INSURANCE COMPANY OF THE MIDWEST, and 2 more. These are filings on record — Florida's public system reports the carrier, line, and effective date but not the rate-change magnitude for every row. The most-recent inland marine filing we track for Florida is effective March 2025. Every row below cites its filing reference so the Florida regulator record can be verified.
Recent rate-filing activity — 8 state filings across 1 commercial line
Commercial carriers can't charge whatever they want — each state's Department of Insurance must approve loss-cost filings before they take effect. These are primary-source, government-held records available on SERFF Filing Access. Cited below: the most-recent active filings affecting commercial operations, with the real SERFF tracking number for each.
| Line | State | Overall change | Effective | SERFF tracking |
|---|---|---|---|---|
| Inland Marine | FL | filing on record (magnitude not publicly disclosed) | Mar 31, 2025 | FLOIR-ARC-25-009230 |
| Inland Marine | FL | filing on record (magnitude not publicly disclosed) | Mar 28, 2025 | FLOIR-ARC-25-017444 |
| Inland Marine | FL | filing on record (magnitude not publicly disclosed) | Mar 24, 2025 | FLOIR-ARC-25-017333 |
| Inland Marine | FL | filing on record (magnitude not publicly disclosed) | Mar 13, 2025 | FLOIR-ARC-25-005281 |
| Inland Marine | FL | filing on record (magnitude not publicly disclosed) | Mar 1, 2025 | FLOIR-ARC-25-011735 |
| Inland Marine | FL | filing on record (magnitude not publicly disclosed) | Mar 1, 2025 | FLOIR-ARC-25-010000 |
| Inland Marine | FL | filing on record (magnitude not publicly disclosed) | Feb 18, 2025 | FLOIR-FCP-24-103469 |
| Inland Marine | FL | filing on record (magnitude not publicly disclosed) | Feb 14, 2025 | FLOIR-FCP-25-008646 |
Source: SERFF Filing Access (filingaccess.serff.com) — the official public-records interface for state Department of Insurance filings. Loss-cost changes shown are the overall bureau-wide change in each state; the actual impact on your quote depends on your class code, payroll, experience modifier, and carrier-specific loss-cost multiplier (LCM). Get a quote for your exact numbers.
AMERICAN HOME ASSURANCE COMPANY filed ARC 25-009230 effective March 2025 (active). HANOVER INSURANCE COMPANY (THE) filed ARC 25-017444 effective March 2025 (active). ACE AMERICAN INSURANCE COMPANY filed ARC 25-017333 effective March 2025 (active). AMERICAN FAMILY HOME INSURANCE COMPANY filed ARC 25-005281 effective March 2025 (active). AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA filed ARC 25-011735 effective March 2025 (active). PENNSYLVANIA INSURANCE COMPANY filed ARC 25-010000 effective March 2025 (active). JM SPECIALTY INSURANCE COMPANY filed FCP 24-103469 effective February 2025 (approved). GEICO MARINE INSURANCE COMPANY filed FCP 25-008646 effective February 2025 (approved). UNITED SERVICES AUTOMOBILE ASSOCIATION filed ARC 25-003856 effective February 2025 (active). HARTFORD CASUALTY INSURANCE COMPANY filed ARC 25-006062 effective February 2025 (active). HARTFORD INSURANCE COMPANY OF THE MIDWEST filed ARC 25-006060 effective February 2025 (active). ACE INSURANCE COMPANY OF THE MIDWEST filed ARC 25-006055 effective February 2025 (active). AMICA MUTUAL INSURANCE COMPANY filed ARC 25-003940 effective February 2025 (active). HARTFORD INSURANCE COMPANY OF THE MIDWEST filed ARC 25-000872 effective January 2025 (active). AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA filed FCP 24-028476 effective January 2025 (approved). GEICO MARINE INSURANCE COMPANY filed FCP 24-083533 effective January 2025 (approved). JEWELERS MUTUAL INSURANCE COMPANY, S.I. filed ARC 24-109085 effective January 2025 (active).
Inland marine covers movable or specialized Florida business property — tools, equipment, and goods in transit — that standard commercial property does not.
Across Florida, inland marine carriers earned about $2.5B in premiums at a 43.9% loss ratio and a 21.5% underwriting profit (NAIC 2023). That market-level result comes from the NAIC Report on Profitability by Line by State — a primary-source view of how inland marine actually performs in Florida, beyond any single carrier's filing.
Key takeaways for Florida inland marine
- Florida inland marine rate filings are public, primary-source records — every figure here traces to a filing reference you can verify with the state regulator.
- Your actual Florida inland marine premium depends on your classification, exposure basis, and each carrier's filed rates and loadings — the filings below are the starting point, not a single market price.
- Comparing quotes from multiple carriers is the only way to see how Florida inland marine rates differ for your specific operation.
Get a real Florida inland marine quote
These filings are the regulator-held record — your actual inland marine premium depends on your classification, exposure basis, and each carrier's filed rates and loadings. Request a free Florida quote in under 90 seconds.
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Figures summarized here are drawn from public Florida Department of Insurance rate filings and, where shown, the NAIC Report on Profitability by Line by State — each traceable to its source. No proprietary rating-manual content is reproduced. See our full sourcing policy.