What Cargo and Transit Insurance Requirements Apply in Delaware?

Delaware allows a bill of lading or transportation agreement to cap carrier liability at a stated value only when rates depend on value and the consignor gets and is advised of a chance to declare a higher value. That contractual recovery is distinct from a policy on your own goods; compare the bill of lading with the shipment value and ask whether your quote follows goods through transit, storage, and transshipment.

What Is Cargo and Transit Insurance?

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 With Cargo and Transit in Delaware

Check the Conditions Behind a Carrier’s Value Cap
Under 6 Del. C. § 7-309, a carrier's contractual value cap depends on value-based rates plus a real opportunity and notice to declare more; it does not apply to conversion to the carrier's own use. Compare the bill of lading's declared value with the shipment and ask what remedy remains if the goods are lost. ¹
Read the Bill of Lading’s Claims Deadline
Delaware permits reasonable terms about when and how to present claims and begin shipment actions in the bill of lading or transportation agreement. Calendar those dates separately from any notice requirements in your own policy. ¹
Describe Storage and Transfer Stops in the Quote
Delaware defines marine and transportation insurance to include cargo moving by land, water, or air and goods awaiting shipment or in specified delay, storage, transshipment, or reshipment. That statutory insurance classification does not establish policy terms; list each mode and stop and ask which interests and periods the policy covers. ²

Which Cargo and Transit Providers Have Delaware License Records?

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

Corgi
Insurance producer · checked 2026-09-28
Corgi Insurance Services, Inc.
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. ¹⁰
Corgi lists a cargo contractual liability product in its transportation offering.

Who Regulates Insurance in Delaware?

Delaware Department of Insurance

The Delaware Department of Insurance licenses and regulates insurers and insurance producers, reviews regulated insurance activity, and handles complaints. Its consumer division can help you raise an insurance concern and its services page links to official license searches. ^3,^4,⁵

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint
Phone: (800) 282-8611

Surplus-Lines Tax and Stamping Office in Delaware

Reported tax rate. 3% of gross premium, less return premium, when Delaware is the home state ^6,⁷

When Delaware is the insured’s home state, its 3% surplus-lines premium tax applies to the entire premium of a multistate policy, less returned premiums and excluding federal and state taxes and examination fees. Ask the surplus-lines broker to confirm the home-state determination and tax calculation, and separately explain how exposures are allocated in the required reports; those allocations do not reduce the premium subject to Delaware’s tax.

Questions to Ask Before You Buy Cargo and Transit in Delaware

Does the carrier's value-based rate give us a meaningful higher-value declaration option, and what value did we select?
Which claim notice and lawsuit deadlines apply under the bill of lading, and are they different from my cargo-policy notice terms?
Does the proposed policy cover each land, air, or water leg and any storage or transfer between carriers?

Cargo and Transit Insurance in Delaware: Frequently Asked Questions

Can a Delaware carrier limit what it pays for lost goods?

A bill of lading or transportation agreement may state a value cap if the carrier's rates depend on value and the consignor is offered and advised of a higher-value declaration opportunity. The statute does not make that contract limit a cargo insurance policy. ¹

What transit stages can Delaware marine insurance include?

Delaware's definition includes goods and cargo exposed to transit or transportation by land, air, or water, as well as specified shipment preparation, delay, storage, transshipment, and reshipment. The actual policy must still be checked for its route, interest, conditions, and exclusions. ²

Sources for Cargo and Transit Insurance in Delaware

1
6 Del. C. § 7-309 — Duty of Care; Contractual Limitation of Carrier's Liability. Delaware Code Online; Subsections (a)–(c), carrier care, value-based cap, and shipment claims provisions. Accessed 2026-09-28.
2
18 Del. C. § 907 — Marine and Transportation Insurance Defined. Delaware Code Online; Subsection (a)(1)(a), transportation modes, cargo, storage, and transshipment. Accessed 2026-09-28.
3
Delaware Department of Insurance. Delaware Department of Insurance; Official Department homepage and regulatory resources. Accessed 2026-09-28.
4
Services. Delaware Department of Insurance; Department service directory links to the state insurance licensee search. Accessed 2026-09-28.
5
Consumer Services. Delaware Department of Insurance; Complaint filing and consumer assistance; publishes Consumer Services phone. Accessed 2026-09-28.
6
Surplus Lines Bulletin 22. Delaware Department of Insurance; Surplus Lines Bulletin 22 (October 2025; printed day is blank), reproducing 18 Del. C. § 1925: home-state tax treatment, all premium on multistate policy if Delaware is home state, 3% rate, and exclusion of federal/state taxes and examination fees from gross premium. Accessed 2026-09-28.
7
Delaware Code, Title 18, §§1923–1925. Delaware General Assembly; §1923(a)(1),(12) home-state verification and allocation records; §1924(b)(3)–(6) separate premium reporting; §1925(b)–(c) 3% tax, deductions/exclusions and full multistate premium when Delaware is home state. Accessed 2026-09-28.
8
Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
9
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.
10
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.
11
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.
12
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.
13
Licenses & Disclosures. RiskCube; Property & Casualty Producer/Broker Licenses; February 11, 2026 version. Accessed 2026-09-16.
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.

What Cargo and Transit Insurance Requirements Apply in Delaware?

What Is Cargo and Transit Insurance?

What to Watch for With Cargo and Transit in Delaware

Check the Conditions Behind a Carrier’s Value Cap

Read the Bill of Lading’s Claims Deadline

Describe Storage and Transfer Stops in the Quote