# Insurance (GIN)

## Title 3. Kinds of Insurers

### Subtitle 3. Surplus Lines Insurance

#### Section 3-302

(a) This subtitle does not apply to:

  (1) life insurance;

  (2) health insurance, except as provided in subsection (c) of this section;

  (3) annuities;

  (4) reinsurance;

  (5) wet marine and transportation insurance, except as provided in subsection (b) of this section;

  (6) insurance on a subject that is located, resident, or to be performed wholly outside the State;

  (7) insurance on vehicles or aircraft owned and principally garaged outside the State;

  (8) insurance on property or operation of railroads engaged in interstate commerce;

  (9) insurance:

    (i) on aircraft owned or operated by aircraft manufacturers or operated in scheduled interstate flight;

    (ii) on cargo of the aircraft described in item (i) of this item; or

    (iii) against liability arising out of the ownership, maintenance, or use of the aircraft described in item (i) of this item, other than workers' compensation or employer's liability; or

  (10) medical stop-loss insurance, as defined in Sec. 15-129 of this article.

(b) This subtitle applies to wet marine and transportation insurance on:

  (1) a pleasure craft under 60 feet in length that is owned and used for pleasure and not for business, hire, or other commercial use;

  (2) fishing vessels under 50 gross tons that are not part of a fleet of 3 or more vessels; and

  (3) charter or head boats under 50 gross tons that are not part of a fleet of 3 or more vessels.

(c) Subject to Sec. 3-306.2 of this subtitle, this subtitle applies to:

  (1) disability insurance that:

    (i) provides for lost income, revenue, or proceeds in the event that an illness, accident, or injury results in a disability that impairs an insured's ability to work or otherwise generate income, revenue, or proceeds that the insurance is intended to replace; and

    (ii) does not include payment for medical expenses, dismemberment, or accidental death; and

  (2) short-term medical insurance that provides limited health insurance benefits for a limited period of time to:

    (i) residents of the United States who travel to another country within 30 days after the effective date of coverage; and

    (ii) residents of another country who:

      (1) travel to the United States within 30 days after the effective date of coverage; and

      (2) are not traveling to the United States for the purpose of attending an institution of higher education, as defined in Sec. 10-101 of the Education Article.

---

Md. Code Ann., Ins. (as displayed at mgaleg.maryland.gov, October 16, 2026)