§431:14-102  Scope.  (a)  This article shall apply to all classes, types, or forms of general casualty insurance as defined in section 431:1-209, surety insurance as defined in section 431:1-210, motor vehicle insurance, and workers' compensation and employers' liability insurance, on risks or operations in this State, and all classes, types or forms of property insurance as defined in section 431:1-206, and marine and transportation insurance as defined in section 431:1-207, on risks located in this State.  Inland marine insurance shall be deemed to include insurance now or hereafter defined as inland marine insurance by:

     (1)  Statute, or by interpretation thereof;

     (2)  Ruling of the commissioner, if not defined or interpreted; or

     (3)  By general custom of the business.

In this article, the terms inland marine insurance and marine insurance are used in their generally accepted trade meanings.

     (b)  This article shall not apply to:

     (1)  Reinsurance, other than joint reinsurance to the  extent stated in section 431:14-112;

     (2)  Accident and health or sickness insurance;

     (3)  Insurance against loss or damage to aircraft or against liability, other than workers' compensation and employers' liability, arising out of the ownership, maintenance, or use of aircraft;

     (4)  Insurance of vessels or craft, their cargoes, marine builder's risks, marine protection and indemnity, or other risks commonly insured under marine, as distinguished from inland marine, insurance policies; and

     (5)  Insurance of hulls of aircraft, including their accessories and equipment, or against liability arising out of the ownership, maintenance, or use of aircraft. [L 1987, c 347, pt of §2; am L 1990, c 255, §7; am L 2002, c 155, §82]