--- title: "Cargo and Transit Insurance in Delaware" description: "Review Delaware's carrier-liability conditions and state-recognized transit-insurance scope without confusing either with a shipment policy." canonical: "https://spot.insure/coverage/cargo-transit/delaware" 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/delaware) # Cargo and Transit Insurance 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.[^1][^2] **Coverage:** [Cargo and transit](/coverage/cargo-transit) · [Delaware](/coverage/states/delaware) ## 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 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] ## 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] - [Regulator website](https://insurance.delaware.gov/) - [License lookup](https://insurance.delaware.gov/services/) - [File a complaint](https://insurance.delaware.gov/divisions/consumerhp/) - Phone: (800) 282-8611 ### Surplus-Lines Tax and Stamping Office **Reported tax rate:** 3% of gross premium, less return premium, when Delaware is the home state 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.[^6][^7] ## 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 Delaware; [check the regulator’s license lookup](https://insurance.delaware.gov/services/) 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.[^10] ## Questions to Ask Before You Buy in Delaware 1. Does the carrier's value-based rate give us a meaningful higher-value declaration option, and what value did we select? 2. Which claim notice and lawsuit deadlines apply under the bill of lading, and are they different from my cargo-policy notice terms? 3. Does the proposed policy cover each land, air, or water leg and any storage or transfer between carriers? ## Cargo And Transit in Delaware: FAQ ### 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] ## 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) - [Colorado](/coverage/cargo-transit/colorado) - [Connecticut](/coverage/cargo-transit/connecticut) - [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 Delaware](/coverage/states/delaware) ## Sources [^1]: [6 Del. C. § 7-309 — Duty of Care; Contractual Limitation of Carrier's Liability](https://delcode.delaware.gov/title6/c007/sc03/index.html) — 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](https://delcode.delaware.gov/title18/c009/sc01/index.html) — Delaware Code Online; Subsection (a)(1)(a), transportation modes, cargo, storage, and transshipment. Accessed 2026-09-28. [^3]: [Delaware Department of Insurance](https://insurance.delaware.gov/) — Delaware Department of Insurance; Official Department homepage and regulatory resources. Accessed 2026-09-28. [^4]: [Services](https://insurance.delaware.gov/services/) — Delaware Department of Insurance; Department service directory links to the state insurance licensee search. Accessed 2026-09-28. [^5]: [Consumer Services](https://insurance.delaware.gov/divisions/consumerhp/) — Delaware Department of Insurance; Complaint filing and consumer assistance; publishes Consumer Services phone. Accessed 2026-09-28. [^6]: [Surplus Lines Bulletin 22](https://insurance.delaware.gov/wp-content/uploads/sites/15/2025/10/linesbull22.pdf) — 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](https://delcode.delaware.gov/title18/c019/sc02/) — 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](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. [^9]: [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. [^10]: [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. [^11]: [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. [^12]: [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. [^13]: [Licenses & Disclosures](https://riskcubeai.com/licenses) — RiskCube; Property & Casualty Producer/Broker Licenses; February 11, 2026 version. Accessed 2026-09-16. [^14]: [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. [^15]: [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). To suggest a correction, [contact Spot](/contact) with a supporting source. ## Agent and Developer Resources - [Markdown page](https://spot.insure/coverage/cargo-transit/delaware.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)