What Cargo and Transit Insurance Requirements Apply in Florida?

Florida household movers generally must maintain at least $10,000 per shipment in liability insurance for household-goods loss or damage caused by the mover's negligence; a mover with two or fewer vehicles may substitute a $50,000 bond or Florida bank certificate of deposit. The separate 60-cents-per-pound valuation floor governs mover liability, not a policy limit for business freight or your own goods coverage.

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.

Florida Cargo and Transit Insurance Requirements

Requirement	Details
Florida household-mover liability for goods	$10,000 per shipment for loss/damage caused by mover negligence; movers with 2 or fewer vehicles may use a $50,000 performance bond or Florida bank certificate of deposit instead ¹

What Should You Watch for With Cargo and Transit Insurance in Florida?

Apply the $10,000 Figure Only to Household Movers
Florida's $10,000-per-shipment requirement covers household-goods loss or damage resulting from mover negligence and has a small-fleet alternative. It is not a required limit for every commercial cargo carrier and does not show the insured value of your business goods. ¹
Read the Written Valuation Before Signing
Florida bars a household mover from limiting shipper liability below 60 cents per pound per article; if the mover limits liability, it must disclose the rate in writing with the estimate and contract before services begin. If offered, valuation coverage must also state its cost, rate, and rejection option, so check the signed documents rather than relying on a verbal description. ^1,²
Find Out Who Actually Moves the Goods
A Florida moving broker may arrange or refer a household move only through a registered mover and may not prepare the mover’s estimate or service contract. Check which registered mover will handle each leg and whose liability or cargo terms appear in the signed mover contract. ²

Which Cargo and Transit Providers Have Florida 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 Florida. 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. ¹¹
Corgi lists a cargo contractual liability product in its transportation offering.

Who Regulates Insurance in Florida?

Florida Office of Insurance Regulation

The Florida Office of Insurance Regulation licenses and regulates insurance companies and reviews rates and forms. The Department of Financial Services separately licenses insurance agents and handles consumer insurance complaints; its resource page links to both state license searches. ^3,^4,⁵

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint
Phone: 1-877-693-5236

Surplus-Lines Tax and Stamping Office in Florida

Reported tax rate. 4.94% of gross premium plus a 0.03% FSLSO service fee for policies effective July 1, 2026 or later ^6,^7,⁸

When Florida is the insured’s home state, Florida taxes the entire gross premium at 4.94%; the premium definition includes policy and similar insurance charges. The separate FSLSO service fee is 0.03% for policies effective July 1, 2026 or later. Surplus-lines policies do not receive Florida Insurance Guaranty Association protection.

Florida Surplus Lines Service Office

Questions to Ask Before You Buy Cargo and Transit in Florida

Is this shipment a Florida household move, and if so, does the mover carry the $10,000 liability coverage or an allowed two-vehicle alternative?
What per-pound valuation limit did I accept, what valuation coverage did the mover offer, and where are the cost and rejection terms in the signed contract?
Which registered mover will transport the goods, and does my separate cargo policy cover the move and any accessorial storage?

Cargo and Transit Insurance in Florida: Frequently Asked Questions

Does Florida require household movers to carry cargo insurance?

Florida requires a mover to maintain at least $10,000 per shipment in liability insurance for household-goods loss or damage caused by the mover's negligence, unless a mover with two or fewer vehicles uses the allowed $50,000 bond or bank-certificate alternative. This is a household-mover rule, not a goods-policy limit for general freight. ¹

What is the minimum value a Florida mover can assign to my goods?

A Florida mover may not limit liability below 60 cents per pound per article. The mover must disclose a selected limitation in writing with the estimate and contract before services, and any offered valuation coverage has separate cost and rejection disclosures. ^1,²

Sources for Cargo and Transit Insurance in Florida

1
Florida Statutes § 507.04 — Required Insurance Coverages; Liability Limitations; Valuation Coverage. Florida Legislature; 2026 Florida Statutes, subsections (1), (5), and (6); household movers and small-fleet alternative. Accessed 2026-09-28.
2
Florida Statutes § 507.056 — Moving Brokers; Services. Florida Legislature; 2026 Florida Statutes, subsections (1)–(2); broker may arrange only with a registered mover and may not prepare mover estimate/contract. Accessed 2026-09-28.
3
Florida Office of Insurance Regulation. Florida Office of Insurance Regulation; Official regulator homepage; insurer regulation. Accessed 2026-09-28.
4
Resources. Florida Office of the Insurance Consumer Advocate; State page links to DFS agent search and OIR active company search. Accessed 2026-09-28.
5
Get Insurance Help. Florida Department of Financial Services; Insurance concern and formal complaint intake; consumer helpline. Accessed 2026-09-28.
6
Florida Statutes § 626.932: Surplus lines tax. Florida Legislature; 4.94% tax on gross premium; home-state taxation; statutory definition of premium. Accessed 2026-09-28.
7
FSLSO Bulletin 2026-02. Florida Surplus Lines Service Office; Service-fee rate effective July 1, 2026: 0.03%. Accessed 2026-09-28.
8
Surplus Lines Search. Florida Office of Insurance Regulation; Consumer guidance for nonadmitted insurers, including absence of FIGA protection. 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.

What Cargo and Transit Insurance Requirements Apply in Florida?

What Is Cargo and Transit Insurance?

Florida Cargo and Transit Insurance Requirements

What Should You Watch for With Cargo and Transit Insurance in Florida?

Apply the $10,000 Figure Only to Household Movers

Read the Written Valuation Before Signing

Find Out Who Actually Moves the Goods