--- title: "Cargo and Transit Insurance in Colorado" description: "Check Colorado's new 2026 carrier-rule status before relying on older household-mover cargo limits or valuation terms." canonical: "https://spot.insure/coverage/cargo-transit/colorado" page-type: "coverage-state-guide" updated-at: "2026-09-28" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/coverage/cargo-transit/colorado) # Cargo and Transit Insurance in Colorado Colorado's official rule history lists an emergency version of 4 CCR 723-6 effective August 14, 2026, replacing the June 2025 permanent version. I could not retrieve the emergency rule text, so I cannot verify whether the older household-mover filing or valuation provisions still apply; request the mover's current cargo filing and written contract terms.[^1][^2] **Coverage:** [Cargo and transit](/coverage/cargo-transit) · [Colorado](/coverage/states/colorado) ## 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](/coverage/cargo-transit). ## What to Watch for in Colorado ### Read the $10,000 Minimum as Mover Liability The archived June 2025 version of 4 CCR 723-6 stated a $10,000 per-vehicle cargo-liability or surety minimum, or 60 cents per pound per article, whichever was greater, for household goods. Colorado now lists an emergency version effective August 14, 2026; because I could not inspect its text, do not rely on those older figures as current. Ask for the mover's operative cargo filing.[^1][^2] ### Choose Between the Two Contract Valuations The archived 2025 rule text required separate written released-value and replacement-cost choices and described declared value, possible deductibles, and amounts not covered by mover insurance or surety. The current emergency text was not retrievable, so ask for the contract and confirm which valuation terms currently apply before comparing them with your own policy.[^1] ### Colorado Replaced the 2025 Rule Version The Secretary of State lists emergency 4 CCR 723-6, tracking 2026-00366, effective August 14, 2026 and expiring March 12, 2027; its eDocket states it implements HB 26-1326. The adopted DOCX/PDF could not be retrieved in this review, so the current cargo filing and valuation text remain unverified.[^2][^3] ## Who Regulates Insurance in Colorado **Colorado Division of Insurance.** The Division administers Colorado insurance laws and regulates insurers and insurance producers. You can search producer licenses through Colorado’s official DORA lookup and send insurance complaints to the Division.[^4][^5][^6] - [Regulator website](https://doi.colorado.gov/) - [License lookup](https://apps2.colorado.gov/dora/licensing/default.aspx) - [File a complaint](https://doi.colorado.gov/for-consumers/file-complaint) - Phone: (303) 894-7499 ### Surplus-Lines Tax and Stamping Office **Reported tax rate:** 3% of net premium When Colorado is the insured’s home state, its surplus-lines tax is 3% of taxable premium. The Colorado Surplus Lines Association says insurer or broker fees charged in connection with the placement are included in the tax base; federal or other-state taxes and examination fees are excluded. For multistate risks, a tax-sharing agreement may allocate premium tax to other states.[^7][^9][^8] ## 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 that the product is available in Colorado; [check the regulator’s license lookup](https://apps2.colorado.gov/dora/licensing/default.aspx) and confirm state availability for your business when requesting a quote. - [Corgi](/insurance-providers/corgi) — **Entity:** Corgi Insurance Services, Inc.; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** Corgi’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 Colorado 1. What cargo-liability proof does the mover currently file under the 4 CCR 723-6 emergency rule effective August 14, 2026? 2. Which valuation options and exclusions appear in the operative written contract, and what shipment value does it record? 3. Does the mover's current filing apply to the household goods on this vehicle, and what separate policy insures my interest in the goods? ## Cargo And Transit in Colorado: FAQ ### What cargo protection must a Colorado household mover carry? The archived June 2025 Colorado rule listed $10,000 per motor vehicle or 60 cents per pound per article, whichever was greater, for household-goods cargo liability. The Secretary of State lists a replacement emergency version effective August 14, 2026, whose text I could not retrieve, so the current minimum is unverified; request the mover's operative filing.[^1][^3][^2] ### What value choices must a Colorado mover put in the contract? The archived 2025 rule listed separate released-value and full-replacement-cost choices in the contract. Because an emergency version became effective August 14, 2026 and I could not inspect its text, ask the mover which valuation terms appear in the current contract before relying on that older rule.[^1][^3] ## Cargo And Transit in Other States - [Alabama](/coverage/cargo-transit/alabama) - [Alaska](/coverage/cargo-transit/alaska) - [Arizona](/coverage/cargo-transit/arizona) - [Arkansas](/coverage/cargo-transit/arkansas) - [California](/coverage/cargo-transit/california) - [Connecticut](/coverage/cargo-transit/connecticut) - [Delaware](/coverage/cargo-transit/delaware) - [District of Columbia](/coverage/cargo-transit/district-of-columbia) - [Florida](/coverage/cargo-transit/florida) - [Georgia](/coverage/cargo-transit/georgia) - [Hawaii](/coverage/cargo-transit/hawaii) - [Idaho](/coverage/cargo-transit/idaho) - [Illinois](/coverage/cargo-transit/illinois) - [Indiana](/coverage/cargo-transit/indiana) - [Iowa](/coverage/cargo-transit/iowa) - [Kansas](/coverage/cargo-transit/kansas) - [Kentucky](/coverage/cargo-transit/kentucky) - [Louisiana](/coverage/cargo-transit/louisiana) - [Maine](/coverage/cargo-transit/maine) - [Maryland](/coverage/cargo-transit/maryland) - [Massachusetts](/coverage/cargo-transit/massachusetts) - [Michigan](/coverage/cargo-transit/michigan) - [Minnesota](/coverage/cargo-transit/minnesota) - [Mississippi](/coverage/cargo-transit/mississippi) - [Missouri](/coverage/cargo-transit/missouri) - [Montana](/coverage/cargo-transit/montana) - [Nebraska](/coverage/cargo-transit/nebraska) - [Nevada](/coverage/cargo-transit/nevada) - [New Hampshire](/coverage/cargo-transit/new-hampshire) - [New Jersey](/coverage/cargo-transit/new-jersey) - [New Mexico](/coverage/cargo-transit/new-mexico) - [New York](/coverage/cargo-transit/new-york) - [North Carolina](/coverage/cargo-transit/north-carolina) - [North Dakota](/coverage/cargo-transit/north-dakota) - [Ohio](/coverage/cargo-transit/ohio) - [Oklahoma](/coverage/cargo-transit/oklahoma) - [Oregon](/coverage/cargo-transit/oregon) - [Pennsylvania](/coverage/cargo-transit/pennsylvania) - [Rhode Island](/coverage/cargo-transit/rhode-island) - [South Carolina](/coverage/cargo-transit/south-carolina) - [South Dakota](/coverage/cargo-transit/south-dakota) - [Tennessee](/coverage/cargo-transit/tennessee) - [Texas](/coverage/cargo-transit/texas) - [Utah](/coverage/cargo-transit/utah) - [Vermont](/coverage/cargo-transit/vermont) - [Virginia](/coverage/cargo-transit/virginia) - [Washington](/coverage/cargo-transit/washington) - [West Virginia](/coverage/cargo-transit/west-virginia) - [Wisconsin](/coverage/cargo-transit/wisconsin) - [Wyoming](/coverage/cargo-transit/wyoming) [Other Coverage in Colorado](/coverage/states/colorado) ## Sources [^1]: [Archived June 2025 Version of 4 CCR 723-6 — Rules Regulating Transportation by Motor Vehicle](https://puc.colorado.gov/sites/puc/files/documents/723-6%20%20Transportation%20Rules.pdf) — Colorado Public Utilities Commission; Archived permanent version effective 2025-06-14; Rules 6601(e)–(g), 6603, 6608(c)(XII), 6609; historical text only, not verified current. Accessed 2026-09-28. [^2]: [4 CCR 723-6 — Official Rule Version History](https://www.sos.state.co.us/CCR/DisplayRule.do?action=ruleinfo&agencyID=96&agencyName=723+Public+Utilities+Commission&deptID=0&deptName=700+Department+of+Regulatory+Agencies&ruleId=2262&seriesNum=4+CCR+723-6) — Colorado Secretary of State, Code of Colorado Regulations; 4 CCR 723-6 current-version table; lists 2026-08-14 emergency rule as current and June 14, 2025 permanent text as archived. Accessed 2026-09-28. [^3]: [4 CCR 723-6 Emergency Rule, eDocket 2026-00366](https://www.sos.state.co.us/CCR/eDocketDetails.do?trackingNum=2026-00366) — Colorado Secretary of State, Code of Colorado Regulations; Adopted emergency filing; effective 2026-08-14, inserted 2026-09-17, expires 2027-03-12; eDocket states fingerprint-check and vehicle-inspection changes implementing HB 26-1326; adopted DOCX/PDF link returned unsupported content type / access error, operative text not inspected. Accessed 2026-09-28. [^4]: [Colorado Division of Insurance](https://doi.colorado.gov/) — Colorado Department of Regulatory Agencies; Official insurance regulator homepage; DOI oversight and consumer resources. Accessed 2026-09-28. [^5]: [DORA Online Services](https://apps2.colorado.gov/dora/licensing/default.aspx) — Colorado Department of Regulatory Agencies; Official DORA online services portal; select Online License Verification and insurance profession. Accessed 2026-09-28. [^6]: [File a Complaint](https://doi.colorado.gov/for-consumers/file-complaint) — Colorado Division of Insurance; Official form and instructions for insurance complaints. Accessed 2026-09-28. [^7]: [HB23-1111: Unauthorized Insurance Premium Tax Rate](https://www.leg.colorado.gov/bills/HB23-1111) — Colorado General Assembly; Enacted bill harmonizes unauthorized insurance tax rate at 3%, effective January 1, 2024; parity with surplus-lines rate. Accessed 2026-09-28. [^8]: [Frequently Asked Questions](https://colosla.org/about/faq) — Surplus Lines Association of Colorado; FAQ: Colorado home-state tax; fee charged by insurer or broker in connection with placement included in premium base; qualifying federal/other-state taxes and examination fees excluded; commercial exempt policyholder due-diligence exception. Accessed 2026-09-28. [^9]: [Colorado Revised Statutes, Title 10 (2024)](https://leg.colorado.gov/sites/default/files/images/olls/crs2024-title-10.pdf) — Colorado General Assembly, Office of Legislative Legal Services; C.R.S. § 10-5-111.5, surplus-lines premium tax and home-state application. Accessed 2026-09-28. [^10]: [Licenses](https://www.at-bay.com/licenses/) — At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21. [^11]: [Licenses and Carriers](https://www.coalitioninc.com/legal/licenses) — 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. [^12]: [Insurance Producer Licenses](https://www.corgi.insure/broker-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. [^13]: [About Hiscox US Insurance](https://www.hiscox.com/about-hiscox-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. [^14]: [Licenses](https://www.nextinsurance.com/insurance-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. [^15]: [About Risklytics](https://www.risklytics.ai/about/) — Risklytics; What we do; Who we insure; Licensing; Agency licenses table dated 2026-09-10. Accessed 2026-09-16. [^16]: [Insurance Licenses by State](https://www.techinsurance.com/legal/licenses) — 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. [^17]: [Licenses](https://www.vouch.us/legal/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 2026-09-28. This guide is informational and does not determine whether a policy is available or meets your needs. [Editorial policy](/editorial-policy). 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