Careful: in California, calling an inland marine class non-filed does not mean its rates escape regulation.

Insurance Code §1851(c) exempts marine insurance from the rate chapter, meaning insurance of vessels or craft, their cargoes and other risks commonly insured under marine policies, as distinguished from inland marine. Insurance on a cargo ship under a marine policy is exempt; a floater on jewelry or on a contractor's mobile equipment is inland marine and is not.

§1861.13 applies Proposition 103 to every line that §1851 does not list, and §1861.05(b) requires every insurer that wants to change any rate to file a complete rate application. An inland marine program labeled non-filed still needs an application before its rates change.