{
  "$schema": "https://bestinsuranceresearch.com/llms-full.txt",
  "recordType": "source",
  "id": "ny-dfs-circular-letter-22-2000",
  "canonicalUrl": "https://bestinsuranceresearch.com/sources/ny-dfs-circular-letter-22-2000",
  "contentVersion": "2026.08.31",
  "generatedFor": "2026-09-06",
  "operator": {
    "legalName": "WJB Services, Inc.",
    "dba": "Bollinsure Insurance Services",
    "license": "6013787",
    "licenseAuthority": "California Department of Insurance"
  },
  "license": "Text on this page may be quoted with attribution and a link to the canonical URL.",
  "notice": "Public page facts only. This record contains no visitor question, no tool input, and no identifier. It is not a coverage determination, an eligibility decision, or individualized advice.",
  "title": "Insurance Circular Letter No. 22 (2000): Marine and Inland Marine Insurance",
  "publisher": "New York State Department of Financial Services",
  "url": "https://www.dfs.ny.gov/industry_guidance/circular_letters/cl2000_22",
  "officialHost": true,
  "sourceType": "regulator-guidance",
  "authorityLevel": "regulator",
  "primary": true,
  "jurisdiction": "NY",
  "publishedDate": "unknown",
  "effectiveDate": "unknown",
  "accessedDate": "2026-08-31",
  "lastChecked": "2026-08-31",
  "updateCadence": "Standing circular letter guidance issued in 2000. New York issues superseding circular letters as needed, so confirm current status before relying on it for any New York filing question.",
  "status": "active",
  "supportsClaims": [
    {
      "claimId": "ny-dfs-circular-letter-22-2000#c1",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/ny-dfs-circular-letter-22-2000#c1",
      "checksum": "bba131615ceb",
      "text": "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."
    },
    {
      "claimId": "ny-dfs-circular-letter-22-2000#c2",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/ny-dfs-circular-letter-22-2000#c2",
      "checksum": "2751d92bbb76",
      "text": "It 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."
    },
    {
      "claimId": "ny-dfs-circular-letter-22-2000#c3",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/ny-dfs-circular-letter-22-2000#c3",
      "checksum": "5eaa135c831c",
      "text": "It 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."
    },
    {
      "claimId": "ny-dfs-circular-letter-22-2000#c4",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/ny-dfs-circular-letter-22-2000#c4",
      "checksum": "ec1873b4dba1",
      "text": "It 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."
    },
    {
      "claimId": "ny-dfs-circular-letter-22-2000#c5",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/ny-dfs-circular-letter-22-2000#c5",
      "checksum": "a149929d96de",
      "text": "It 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."
    },
    {
      "claimId": "ny-dfs-circular-letter-22-2000#c6",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/ny-dfs-circular-letter-22-2000#c6",
      "checksum": "b5fd78b16499",
      "text": "It advises insurers that are uncertain about a classification to submit the matter for departmental review rather than assume inland marine treatment."
    }
  ],
  "reliedOnBy": [
    {
      "kind": "Question",
      "title": "What is inland marine insurance used for?",
      "url": "https://bestinsuranceresearch.com/questions/inland-marine-uses"
    }
  ],
  "reliedOnByCount": 1,
  "citation": {
    "text": "New York State Department of Financial Services. \"Insurance Circular Letter No. 22 (2000): Marine and Inland Marine Insurance.\" unknown. https://www.dfs.ny.gov/industry_guidance/circular_letters/cl2000_22 (retrieved 2026-08-31).",
    "viaThisSite": "BestInsurance Research source record ny-dfs-circular-letter-22-2000, content version 2026.08.31. https://bestinsuranceresearch.com/sources/ny-dfs-circular-letter-22-2000",
    "note": "Cite the underlying source when you can. Cite this record when you are describing our synthesis or our claim list."
  }
}