Insurance Circular Letter No. 22 (2000): Marine and Inland Marine Insurance
Published by New York State Department of Financial Services. Jurisdiction NY.
Exactly what this source supports
These are the only claims this record is used to carry anywhere in the library.
The circular letter is numbered 22, is dated August 11, 2000, is titled Marine and Inland Marine Insurance, and is addressed to insurers licensed to write marine insurance in New York.
claim ny-dfs-circular-letter-22-2000#c1It states that New York Insurance Law section 2310(b) exempts inland marine risks from the law's filing requirements if, by general custom of the business, the specific risks in question are not written according to manual rates and rating plans, unless the Superintendent directs that they be filed.
claim ny-dfs-circular-letter-22-2000#c2It states that rates, loss costs and forms promulgated by the principal rate organization, Insurance Services Office, for the various inland marine classes constitute the general custom of the business.
claim ny-dfs-circular-letter-22-2000#c3It states that the Superintendent may direct that filings be submitted for review even where the custom of the business is that no filings be made for a particular inland marine class.
claim ny-dfs-circular-letter-22-2000#c4It states that New York adopted the 1976 NAIC nationwide marine definition with exceptions in four areas: Builders Risk and/or Installation Risks, Domestic Bulk Liquids, Difference in Conditions, and Electronic Data Processing, and gives substantive conditions for each exception rather than simply naming the classes.
claim ny-dfs-circular-letter-22-2000#c5It advises insurers that are uncertain about a classification to submit the matter for departmental review rather than assume inland marine treatment.
claim ny-dfs-circular-letter-22-2000#c6
Each claim above has its own address. Link to a single claim with/sources/ny-dfs-circular-letter-22-2000#c1, and read the same list with its identifiers, checksums and dates at ny-dfs-circular-letter-22-2000.json. A checksum lets you tell whether a claim you cited still says what it said.
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Reviewer notes
Re-fetched 2026-08-31; live official DFS page and all claims above returned. This is New York guidance and is cited in the answer only as a named-state illustration of how a filing exemption can work, never as a nationwide rule. Note the conflict with the IMUA State Digest, which lists New York under the 1953 Definition; this bundle reports both and resolves neither. Published: 2000-08-11 Effective: 2000-08-11