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Cargo and Transit Insurance in Connecticut

For intrastate household-goods and motor-contract carriers, Connecticut law authorizes CTDOT rules on financial responsibility and insurance covering cargo, with annual proof-filing fees for those classes. A separate posted vehicle-filing rule says cargo is excluded, but its text dates to 1972 and still names PUC; ask which current filing applies and what goods terms it carries. 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.

What to Watch for in Connecticut

  • Check Whether CTDOT Regulates This Mover

    Connecticut defines household goods as personal effects and property used or to be used in a dwelling, and defines a household-goods carrier as moving those goods for the general public for hire. Section 13b-396's bill-of-lading rule is limited to carriers subject to that chapter; don't apply it to ordinary commercial freight. 1

  • Price the Weight-Based Contract Limit

    CTDOT says household-mover contracts usually value damages by weight at 60 cents per pound and advises buyers to put additional insurance in the contract. That is consumer guidance for its certified household movers, not a universal cargo-policy limit; compare the signed move contract with the separate interest and value your policy covers. 1

  • Don't Count the Carrier's Vehicle Filing as Goods Cover

    Current Connecticut law authorizes CTDOT to regulate intrastate household-goods and motor-contract carriers on financial responsibility and insurance covering cargo; §13b-410c requires those carrier classes to pay annual fees for state proof-of-insurance filings. The official portal separately displays §16-304-D1, last updated in 2015 and marked effective 1972, which excludes transported cargo but still names PUC. The relationship between that older text and current class-specific filings is unresolved; ask CTDOT and the carrier for the operative filing and goods terms. 2

  • Keep the Household Bill of Lading

    Under current §13b-396, a household-goods carrier subject to Chapter 245c must issue a bill of lading when it receives household goods for hire; the statute applies UCC Article 7 to the carrier and holder. The statutory definition is dwelling-related household goods, not ordinary commercial freight. Keep the document and compare its stated value/claim terms with any separate goods policy. 3

Who Regulates Insurance in Connecticut

Connecticut Insurance Department

The Connecticut Insurance Department licenses insurance producers and companies, oversees insurers and regulated insurance activity, and investigates insurance complaints. Its complaint and license-search services let you raise an issue or check an insurance professional or company. 6,7,8

Surplus-lines tax and stamping office

Reported tax rate: 4% of gross premium when Connecticut is the home state When Connecticut is the insured’s home state, surplus-lines tax is 4% of gross premium; certain state and local government insureds are exempt, and broker or policy fees are not part of the premium-tax base. Connecticut’s required notice says these policies are outside the state guaranty association. Most placements require three declinations or an export-list qualification; an exempt commercial purchaser may qualify for the federal § 8205 search exception after disclosure and a written request. 9,10,11

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 Connecticut. 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. 14

Questions to Ask Before You Buy in Connecticut

  1. Is the move household goods under Chapter 245c, an intrastate motor-contract service, or general freight outside those classes?
  2. What valuation and claim terms appear in the signed household-move bill of lading, and what separate policy covers my own goods interest?
  3. Does §16-304-D1 apply to this carrier's present certificate or permit, given its 1972 date and the later transfer of Chapter 245c authority to CTDOT?
  4. What current filing or policy wording shows whether the transported goods are excluded from the carrier's liability coverage?

Cargo And Transit in Connecticut: FAQ

How do Connecticut household movers value damaged goods? 1

CTDOT says most contracts from its certified household movers use a usual damage measure of 60 cents per pound and advises buyers to place additional insurance in the contract. That is household-mover consumer guidance, not a limit for general freight or a separate goods policy. 1

Does Connecticut motor-carrier insurance cover cargo? 2,4,5

For intrastate household-goods and motor-contract carriers, §13b-410(a) authorizes CTDOT rules on financial responsibility and insurance covering cargo, and §13b-410c provides for annual insurance-proof filing fees. The official portal's §16-304-D1 text, marked effective February 1, 1972 and last updated March 8, 2015, excludes transported cargo but still names PUC; its present relationship to those classes is unresolved. Ask the carrier and CTDOT for the current filing and goods terms. 2,4,5

Must a Connecticut household mover issue a bill of lading? 3,5

Yes. Section 13b-396 requires a household-goods carrier subject to Chapter 245c to issue a bill of lading on receipt of household goods for hire and applies UCC Article 7 to the carrier and holder. The chapter defines household goods as dwelling-related effects, so this is not a general freight rule. 3,5

Cargo And Transit in Other States

Other Coverage in Connecticut

Sources

  1. Household Goods Movers with CTDOT Certificate to Operate. Connecticut Department of Transportation; 2026 HHG Roster and damages/additional insurance guidance; CTDOT scope note. Accessed 2026-09-28.
  2. Regulations of Connecticut State Agencies §16-304-D1 — Insurance Required. Connecticut Department of Transportation; Official eRegulations portal page last updated 2015-03-08; text says effective 1972-02-01, applies to property-for-hire carriers subject to PUC jurisdiction and excludes transported cargo; Chapter 245c powers later transferred to CTDOT by §13b-387a. Accessed 2026-09-28.
  3. Connecticut General Statutes, Chapter 245c — Motor Carriers of Property for Hire. Connecticut General Assembly; 2026 chapter page; note directs readers to 2026 Supplement revised to 2026-01-01; §§13b-387(1)–(2), 13b-387a, 13b-396. Household goods are dwelling-related; §13b-396 requires covered for-hire household carrier bill of lading and applies UCC Article 7. Accessed 2026-09-28.
  4. Connecticut DOT Administrative Law Unit. Connecticut Department of Transportation; Current department listings: Chapter 245c household goods §§13b-387–13b-415; regulations §§16-304-F1–F29; no substantive current cargo-filing schedule on this page. Accessed 2026-09-28.
  5. Connecticut General Statutes, Chapter 245c — Current Statutory Text. Connecticut General Assembly, Office of Legislative Research; 2026 chapter page; note directs readers to 2026 Supplement revised to 2026-01-01; §§13b-387(1)–(2) household-goods scope, 13b-387a transfer to CTDOT, 13b-396 bill of lading, 13b-410(a) cargo-insurance rule authority and 13b-410c(b) annual proof-filing fee for intrastate household-goods and motor-contract carriers. Accessed 2026-09-28.
  6. Connecticut Insurance Department. Connecticut Insurance Department; Official Department homepage; mission and department resources. Accessed 2026-09-28.
  7. Licensing. Connecticut Insurance Department; Department licensing resource landing page; links to state agent and company license lookup. Accessed 2026-09-28.
  8. Ask a Question or File a Complaint. Connecticut Insurance Department; Online complaint form and consumer affairs helpline. Accessed 2026-09-28.
  9. FAQs: Surplus Lines Brokers. Connecticut Insurance Department; Current tax rate, tax base and exemptions, diligent-search rules, guaranty-fund notice. Accessed 2026-09-28.
  10. FAQs: Surplus Lines Brokers. Connecticut Insurance Department; Question on surplus-lines notice states Connecticut Insurance Guaranty Association does not cover these policies. Accessed 2026-09-28.
  11. 15 U.S.C. § 8205: Streamlined application for commercial purchasers. U.S. House of Representatives, Office of the Law Revision Counsel; Broker's due-diligence search exception for an exempt commercial purchaser requires prior disclosure that admitted-market insurance may offer greater protection/regulatory oversight and the purchaser's subsequent written request for nonadmitted placement. Accessed 2026-09-28.
  12. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  13. 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.
  14. 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.
  15. 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.
  16. 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.
  17. 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.
  18. 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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