What Cargo Insurance Requirements Apply in Georgia?

For an intrastate Georgia household move, the mover’s cargo filing is a carrier-side requirement with stated per-vehicle and at-one-time/place amounts; it is not a measure of your full goods value. If a move claim is unresolved, Georgia’s consumer guide says submit a written claim to the carrier within 90 days, with DPS complaint assistance limited by the origin and destination.

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.

Georgia Cargo and Transit Insurance Requirements

Requirement	Details
Intrastate motor-carrier cargo filing	For carriers covered by GAC 570-38-2, cargo defaults to $25,000 per motor vehicle and $50,000 for aggregate cargo loss or damage at one time and place only when another amount is not established elsewhere in Chapter 570-38. ¹

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

Separate Carrier Filing From Goods Value
Georgia’s rule treats Form H as evidence of a carrier’s cargo insurance and sets filing amounts for carriers under the covered subchapter. Compare the shipment’s declared value and any carrier recovery cap with your own cargo-policy quote; the filing amounts do not state the value of your goods. ¹
Put an Intrastate Move Claim in Writing
For a move within Georgia, the Attorney General says you must first send the carrier a written claim within 90 days; the carrier then has 90 days to resolve it. Ask the mover how to document condition and delivery date before your shipment leaves. ²
Check Whether DPS Can Assist
Georgia DPS assistance is unavailable when both endpoints are within the same incorporated municipality, or when either endpoint is outside Georgia. If your route falls in either exception, keep the carrier claim record and identify the separate dispute route before loading. ²
Match the Carrier Named on Form H
Georgia accepts Form H as a presumed-compliant cargo certificate only when required fields, including the carrier’s current business name, physical address, policy number and countersignature, are present. Ask which legal carrier will take custody and ensure the shipment paperwork names that same entity. ¹

Which Cargo and Transit Providers Have Georgia 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 Georgia. 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. ⁹
Corgi lists a cargo contractual liability product in its transportation offering.

Who Regulates Insurance in Georgia?

Georgia Office of Commissioner of Insurance and Safety Fire

Georgia’s elected Insurance and Safety Fire Commissioner licenses and regulates insurance companies and insurance professionals, investigates insurance fraud, and oversees consumer complaint services. The Office’s state license lookup covers agents, agencies, and companies. ^3,^4,⁵

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint
Phone: (800) 656-2298

Surplus-Lines Tax and Stamping Office in Georgia

Reported tax rate. 4% of total premium when Georgia is the home state ⁶

Georgia charges 4% on the total premium written and received by a surplus-lines broker when Georgia is the insured’s home state. Current fee treatment is not described here because the Department’s latest fee bulletin could not be retrieved as readable text; ask your broker for the policy-declaration and tax breakdown. This record does not state a Georgia-specific guaranty-fund conclusion.

Questions to Ask Before You Buy Cargo and Transit in Georgia

Is this shipment wholly intrastate, and does the mover’s Georgia authority make Rule 570-38-2 apply?
What declared value and carrier liability terms will appear on my bill of lading, and how do they compare with the goods value I want to protect?
What written claim address and delivery-date record should I use to meet Georgia’s 90-day claim process?

Cargo and Transit Insurance in Georgia: Frequently Asked Questions

Does Georgia’s mover cargo filing insure my household goods for their full value?

No. The Georgia rule sets cargo-insurance filing amounts for covered carriers, not the value of your shipment or the recovery promised by your own policy. Review the carrier’s bill of lading and ask a broker to quote the value you want insured. ¹

How long do I have to make a claim after a move within Georgia?

Georgia’s Attorney General says to submit a written claim to the carrier within 90 days; the carrier then has 90 days to resolve it. DPS assistance has geographic exceptions, including same-municipality moves and moves with an out-of-state endpoint. ²

Sources for Cargo and Transit Insurance in Georgia

1
Rule 570-38-2, Certificates for Motor Carriers Generally. Georgia Secretary of State, Georgia Rules and Regulations; Subchapter .05(1)-(8), required insurance and certificates; Form H and cargo amounts. Accessed 2026-09-28.
2
Moving Companies. Georgia Attorney General, Consumer Protection Division; Georgia moves: written claim timing and exceptions to DPS assistance. Accessed 2026-09-28.
3
Office of Commissioner of Insurance and Safety Fire. Georgia Office of Commissioner of Insurance and Safety Fire; Official homepage; regulator role, elected commissioner, complaint and license lookup links. Accessed 2026-09-28.
4
Agents, Agencies and Licensing. Georgia Office of Commissioner of Insurance and Safety Fire; Official state license lookup for agents, agencies, and companies. Accessed 2026-09-28.
5
Report Complaints & Fraud. Georgia Office of Commissioner of Insurance and Safety Fire; Consumer Services complaint instructions and official complaint portal. Accessed 2026-09-28.
6
Non-Admitted Insurance: Premium Tax FAQs. Georgia Office of Commissioner of Insurance and Safety Fire; 4% applies to total broker-written and received premium when GA is home state. Accessed 2026-09-28.
7
Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
8
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.
9
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.
10
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.
11
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.
12
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.
13
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 Insurance Requirements Apply in Georgia?

What Is Cargo and Transit Insurance?

Georgia Cargo and Transit Insurance Requirements

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

Separate Carrier Filing From Goods Value

Put an Intrastate Move Claim in Writing

Check Whether DPS Can Assist

Match the Carrier Named on Form H