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Cargo and Transit Insurance in Arkansas

The official Arkansas rule text posted on September 28, 2026 says common carriers of property by motor vehicle file at least $5,000 in cargo insurance, while its intrastate household-goods rule sets a separate carrier-liability process. The codifier warns its weekly text may not reflect recent rulemaking, so confirm both schedules before relying on them; neither is a first-party limit for your goods. 1,2

What Is Cargo And Transit?

Cargo coverage fits a shipper protecting goods it owns or a carrier responsible for another party’s goods. The quote needs to match who bears the loss, the shipment route and storage stops. Read the national Cargo and transit guide.

Arkansas Requirements

RequirementDetails
Cargo filing for common carriers of property by motor vehicleAt least $5,000 cargo insurance with cargo endorsement in the official posted rule text (codification effective 2025-01-01; recent rulemaking may not be reflected) 1

What to Watch for in Arkansas

  • Check the Carrier Class Behind the Filing

    The posted Arkansas rule states a $5,000 cargo filing for common carriers of property by motor vehicle, not automatically every carrier or private shipper. The official codifier warns its weekly text may not reflect recent rulemaking; confirm the current filing and whether the hauler is in this carrier class. 1

  • Complete the Household Bill-of-Lading Value Entry

    The posted rule says an intrastate household shipment is not released to 60 cents per pound per article unless the shipper expressly enters that value; otherwise maximum carrier liability is the greater of the declared lump sum or $1.25 per shipment pound. The codifier warns it may not reflect recent rulemaking. The carrier must offer/sell the supplemental certificate when the rule's conditions apply, but buying it is the shipper's choice; declining leaves the stated liability ceiling unchanged. 2

  • Employer-Paid Household Moves Have a Separate Path

    The posted rule permits an employer that is the shipper and pays all transportation charges to instruct release to 60 cents per pound per article through purchase-order inspection or advance written instructions. It requires notice to the actual owner and an option to buy the carrier certificate; confirm the current process because the official codifier warns it may not reflect recent rulemaking. 2

Who Regulates Insurance in Arkansas

Arkansas Insurance Department

The Arkansas Insurance Department licenses resident and nonresident producers and business entities, accepts insurance complaints, and provides links to company and producer license searches. It operates as a division of the Arkansas Department of Commerce. 3,4,8,5

Surplus-lines tax and stamping office

Reported tax rate: 4% when Arkansas is the insured's home state Arkansas's broker filing instructions set a 4% surplus-lines tax. Federal law assigns nonadmitted-insurance regulation and tax to the insured’s home state; for a multistate policy, ask your broker to show the home state and the premium allocation used for the Arkansas filing. Arkansas law requires the contract to disclose that the state's property-and-casualty guaranty protection does not apply. 6,7,9

Providers With Documented State Licenses

These providers publish a national listing for Cargo and transit; the state records document licenses for the entities and roles shown below. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm the product is available in Arkansas. Check the regulator’s license lookup and confirm state availability for your business when requesting a quote.

  • CorgiCorgi Insurance Services, Inc.Insurance producer · checked 2026-09-28Corgi’s company producer-license table lists 50 jurisdictions: 49 states and the District of Columbia, including DC license 3003091619. New Mexico does not appear in the table and is not included here; the omission does not establish that Corgi is unlicensed there. The company-reported table has no stated as-of date and does not establish product availability. 12

Questions to Ask Before You Buy in Arkansas

  1. Does the carrier's posted Arkansas cargo filing apply to this shipment, and has the agency changed the filing rule since the posted codification?
  2. For an intrastate household move, what value did I enter on the bill of lading, and did the carrier offer the optional certificate when required?
  3. If my employer pays for a household move, did the carrier document the qualifying instruction and give me the notice and certificate-purchase option?

Cargo And Transit in Arkansas: FAQ

What cargo filing does Arkansas require from property carriers? 1

The official Arkansas rule text posted September 28, 2026 says common carriers of property by motor vehicle file at least $5,000 in cargo insurance with a cargo endorsement. The codifier warns the weekly text may not reflect recent rulemaking, so confirm the current filing; this carrier proof does not state your goods' value or insure your business's cargo interest. 1

What happens if I leave the Arkansas household-move value blank? 2

The posted rule says a shipment with no required release-value entry is deemed released to a maximum value equal to $1.25 times its actual shipment weight. The same rule requires a carrier to offer/sell a supplemental certificate in the stated circumstances, but purchase is optional and declining does not change the liability ceiling; confirm current terms because the codifier warns recent rulemaking may be missing. 2

Cargo And Transit in Other States

Other Coverage in Arkansas

Sources

  1. 27 CAR § 110-1301 — Public Liability and Property Damage Endorsement. Code of Arkansas Rules; §110-1301(c), cargo schedule; Code site says official codification effective 2025-01-01, updated weekly and may not reflect recent rulemaking. Accessed 2026-09-28.
  2. 27 CAR § 110-1905 — Released Value — Insurance to Be Offered by Carrier. Code of Arkansas Rules; §110-1905(b), (d), (h)(1)–(4); posted rule describes carrier offer/sale duty, shipper election, and no change to liability ceiling if certificate not sold; code-wide currentness warning applies. Accessed 2026-09-28.
  3. Arkansas Insurance Department. Arkansas Insurance Department; Official agency homepage. Accessed 2026-09-28.
  4. Licensing. Arkansas Insurance Department; Licensing Division guidance and state-based systems lookup for Arkansas agent and agency licensees. Accessed 2026-09-28.
  5. File A Complaint. Arkansas Insurance Department; Online complaint filing for insurance providers, including agents and companies. Accessed 2026-09-28.
  6. Surplus Lines Brokers Filing. Arkansas Insurance Department; Current broker filing instructions state that 4% broker tax must be remitted. Accessed 2026-09-28.
  7. 23 CAR § 201-104: Endorsement of contract. Arkansas Code of Rules; Required surplus-lines contract disclosure: no Arkansas P&C Guaranty Act protection and 4% tax collected from insured. Accessed 2026-09-28.
  8. 15 U.S.C. § 8202: Regulation of nonadmitted insurance by insured's home State. U.S. House of Representatives, Office of the Law Revision Counsel; § 8202(a): nonadmitted placement is subject solely to insured's home-State requirements, except as otherwise provided; § 8201 addresses exclusive home-State tax authority. Accessed 2026-09-28.
  9. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  10. Licenses and Carriers. Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535. Accessed 2026-09-22.
  11. Insurance Producer Licenses. Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown. Accessed 2026-09-28.
  12. About Hiscox US Insurance. Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
  13. Licenses. ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885. Accessed 2026-09-28.
  14. Insurance Licenses by State. TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number. Accessed 2026-09-28.
  15. Licenses. Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict. Accessed 2026-09-15.

Updated .

This guide is informational and does not determine whether a policy is available or meets your needs. Editorial policy. To suggest a correction, contact Spot with a supporting source.

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