(a) This chapter applies to:
(1) Casualty insurance, including workers' compensation, and all forms of motor vehicle insurance, on risks or operations in this State;
(2) Surety insurance;
(3) Fire, marine and inland marine insurance, as used in their generally accepted trade sense, on risks located in this State. Inland marine insurance shall be deemed to include insurance as defined by statute, or by ruling of the Commissioner;
(4) Health insurance, group health insurance, blanket health insurance, Medicare supplement insurance and health service corporations; and
(5) Title insurance.
(b) This chapter shall not apply to:
(1) Reinsurance, except joint reinsurance as provided in § 2523 of this title;
(2) Insurance of airborne or waterborne vessels or craft, their cargoes, legal liability of aircraft operators, marine protection and indemnity, or other risks commonly insured under aviation or marine, as distinguished from inland marine, insurance policies; or
(3) Life insurance.
(c) Nothing in this chapter shall abridge or restrict the freedom of contract between insurers and agents or brokers with respect to commissions or between insurers and their employees with respect to compensation.