Florida Statutes

Fla. Stat. § 624.607 (2025)

“Marine insurance,” “wet marine and transportation insurance,” and “inland marine insurance” defined.

✓ 2025 Florida Statutes — current through the 2025 Regular Session

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624.607 “Marine insurance,” “wet marine and transportation insurance,” and “inland marine insurance” defined.—

(1) “Marine insurance” includes:

(a) Insurance against any kinds of loss or damage to:

1. Vessels, craft, aircraft, cars, automobiles, and vehicles of every kind, as well as all goods, freights, cargoes, merchandise, effects, disbursements, profits, moneys, bullion, precious stones, securities, choses in action, evidences of debt, valuable papers, bottomry and respondentia interests and all other kinds of property and interests therein, in respect to, appertaining to, or in connection with any and all risks or perils of navigation, transit, or transportation, including war risks, on or under any seas or other waters, on land or in the air, or while being assembled, packed, crated, baled, compressed, or similarly prepared for shipment or while awaiting the same or during any delays, storage, transshipment, or reshipment incident thereto, including marine builder’s risks and all personal property floater risks; and

2. Person or property in connection with or appertaining to a marine, inland marine, transit, or transportation insurance, including liability for loss of or damage to either, arising out of or in connection with the construction, repair, operation, maintenance, or use of the subject matter of such insurance, but not including life insurance or surety bonds nor insurance against loss by reason of bodily injury to the person arising out of the ownership, maintenance, or use of automobiles; and

3. Precious stones, jewels, jewelry, gold, silver, and other precious metals, whether used in business or trade or otherwise and whether the same be in course of transportation or otherwise; and

4. Bridges, tunnels, and other instrumentalities of transportation and communication (excluding buildings, their furniture and furnishings, fixed contents, and supplies held in storage) unless fire, tornado, sprinkler leakage, hail, explosion, earthquake, riot, and/or civil commotion are the only hazards to be covered; piers, wharves, docks, and slips, excluding the risks of fire, tornado, sprinkler leakage, hail, explosion, earthquake, riot, and/or civil commotion; and other aids to navigation and transportation, including dry docks and marine railways, against all risks.

(b) Marine protection and indemnity insurance, meaning insurance against, or against legal liability of the insured for, loss, damage, or expense arising out of, or incident to, the ownership, operation, chartering, maintenance, use, repair, or construction of any vessel, craft, or instrumentality in use in ocean or inland waterways, including liability of the insured for personal injury, illness, or death or for loss of or damage to the property of another person.

(2) For the purposes of this code, “wet marine and transportation insurance” is that part of marine insurance which includes only:

(a) Insurance upon vessels, crafts, and hulls and of interests therein or with relation thereto;

(b) Insurance of marine builders’ risks, marine war risks, and contracts of marine protection and indemnity insurance;

(d) Insurance of personal property and interests therein, in course of exportation from or importation into any country, or in course of transportation coastwise or on inland waters, including transportation by land, water, or air from point of origin to final destination, in respect to, appertaining to, or in connection with any and all risks or perils of navigation, transit, or transportation, and while being prepared for and while awaiting shipment, and during any delays, storage, transshipment, or reshipment incident thereto.

(3) For the purposes of this code, “inland marine insurance” is as established by general custom of the insurance business and promulgated by rule of the commission.

History.—ss. 105, 417, ch. 59-205; ss. 13, 35, ch. 69-106; s. 3, ch. 76-168; s. 1, ch. 77-457; ss. 2, 3, ch. 81-318; ss. 80, 86, 809(1st), ch. 82-243; ss. 187, 188, ch. 91-108; s. 4, ch. 91-429; s. 853, ch. 2003-261.

Note.—Consolidation of s. 624.607 and former s. 627.071.

Notes of Decisions

Cited in 10 cases (1 in the last 5 years), 1989–2022 · leading case: Starr Indem. & Liab. Co. v. Brightstar Corp., 388 F. Supp. 3d 304 (S.D. Ill. 2019).

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Starr Indem. & Liab. Co. v. Brightstar Corp., 388 F. Supp. 3d 304 (S.D. Ill. 2019). “Whether the German Warehouse Was Part of the "Schedule on File" Endorsement No.”

Golden Door Jewelry Creations, Inc. v. Lloyds Underwriters, 748 F. Supp. 1529 (S.D. Fla. 1990). · cites it 4× “Section 624.607, Florida Statutes (1989) provides general definitions for marine insurance and inland marine insurance, and provides that the latter “is as established by general custom of the insurance business and promulgated by rule of the department.”

Backhus v. Transit Cas. Co., 549 So. 2d 283 (La. 1989). “18, § 907 (1975); Fla.Stat. § 624.607 (1987); Md.Ann.Code art.”

Florida Ins. Guar. Ass'n v. Pilings & Structures, Inc., 616 So. 2d 532 (Fla. 1st DCA 1993). · cites it 8× “§ 624.607(2), Fla.Stat. (1985) (emphasis added).”

Jackson v. Leads Diamond Corp., 767 F. Supp. 268 (S.D. Fla. 1991). · cites it 2× “Fla.Stat. § 624.607(l)(a)(3). Under this definition it is the finding of this court that Florida intended to include a jeweler’s block policy in the genre of marine insurance contracts to which an affirmative duty of disclosure of material facts under the doctrine of Uberrimae…”

Golden Door Jewelry Creations, Inc. v. Lloyds Underwriters, 758 F. Supp. 708 (S.D. Fla. 1991). · cites it 2× “(citing, inter alia, Fla.Stat. § 624.607(3) (1989); Fla.Admin.”

Southernmost Marine Servs., Inc. v. One (1) 2000 Fifty Four Foot (54') Sea Ray Named M/V \Potential\"", 250 F. Supp. 2d 1367 (S.D. Fla. 2003). “§ 624.607(1)(b). Both provisions describe insurance ‘against legal liability’.”

Clifford B. Oretsky v. Infinity Ins. Co., 524 F. App'x 517 (11th Cir. 2013). “See Fla. Stat. § 624.607 (2) (defining the term “wet marine and transportation insurance” as “that part of marine insurance which includes,” among other things, “[insurance of personal property and interests therein, in course of exportation from or importation into any country,…”

Indem. Cas. & Prop., Ltd. v. Hunter, 752 So. 2d 658 (Fla. 3d DCA 2000). · cites it 8× “Indemnity and IGMC assert that the policy issued to Island Parasail is what is known in the industry as a “wet marine and transportation insurance” policy as defined in section 624.607, Florida Statutes (1997).”

Neubert Aero Corp. v. Starstone Nat'l Ins. Co. (11th Cir. 2022). “Fla. Stat. Ann. § 624.607 (2). In other words, “wet marine or transportation insurance” must be both “marine insurance” and fall within one of four speci- fied categories.”

— 624.607(1)(b) — 1 case

— 624.607(2) — 2 cases

Florida Ins. Guar. Ass'n v. Pilings & Structures, Inc., 616 So. 2d 532 (Fla. 1st DCA 1993). “§ 624.607(2), Fla.Stat. (1985) (emphasis added).”

Indem. Cas. & Prop., Ltd. v. Hunter, 752 So. 2d 658 (Fla. 3d DCA 2000). “Indemnity and IGMC assert that the policy issued to Island Parasail is what is known in the industry as a “wet marine and transportation insurance” policy as defined in section 624.607, Florida Statutes (1997).”

— 624.607(2)(b) — 1 case

— 624.607(3) — 2 cases

Golden Door Jewelry Creations, Inc. v. Lloyds Underwriters, 748 F. Supp. 1529 (S.D. Fla. 1990). “Section 624.607, Florida Statutes (1989) provides general definitions for marine insurance and inland marine insurance, and provides that the latter “is as established by general custom of the insurance business and promulgated by rule of the department.”

Golden Door Jewelry Creations, Inc. v. Lloyds Underwriters, 758 F. Supp. 708 (S.D. Fla. 1991). “(citing, inter alia, Fla.Stat. § 624.607(3) (1989); Fla.Admin.”

— 624.607(l)(a)(3) — 1 case

Jackson v. Leads Diamond Corp., 767 F. Supp. 268 (S.D. Fla. 1991). “Fla.Stat. § 624.607(l)(a)(3). Under this definition it is the finding of this court that Florida intended to include a jeweler’s block policy in the genre of marine insurance contracts to which an affirmative duty of disclosure of material facts under the doctrine of Uberrimae…”

— 624.607(l)(b) — 2 cases

Florida Ins. Guar. Ass'n v. Pilings & Structures, Inc., 616 So. 2d 532 (Fla. 1st DCA 1993). “§ 624.607(2), Fla.Stat. (1985) (emphasis added).”

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