What Cargo Insurance Requirements Apply in Idaho?

Idaho Code §28-7-309 permits a carrier’s bill-of-lading liability cap only where rates depend on value and the consignor can declare a higher value after being advised. The currently posted IDAPA 39.02.80 (revision marked March 31, 2022) sets separate accident financial-responsibility schedules and incorporates its cited federal regulations from the October 1, 1997 CFR edition; confirm which hazardous classifications govern current shipment documents before relying on those schedules, which are not shipper cargo-policy limits.

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 Should You Watch for With Cargo and Transit Insurance in Idaho?

Review Value-Dependent Freight Rates
A carrier may limit bill-of-lading liability to a stated value only if rates depend on value and the consignor is advised of and offered the chance to declare higher value; the cap does not apply to conversion to the carrier’s own use. Keep the written value selection with the shipment record. ¹
Classify Hazardous Loads Precisely
IDAPA 39.02.80 distinguishes hazardous classes, divisions, packing groups, bulk forms and quantities, but §002 incorporates the cited federal regulations from the CFR edition dated October 1, 1997. Before using a class threshold for current shipment paperwork, confirm which classification requirements apply to this shipment; give the broker the shipping description, package or tank type, capacity and quantity. ²
Separate Accident Liability From Goods Damage
The Idaho rule describes injury, death, environmental restoration or property damage in an accident and distinguishes common, contract, interstate and private carriers. It does not set what your own policy pays for damaged goods; request carrier terms and a separate goods-policy quote. ²
Check the Private-Carrier Boundary
The rule defines private carriage around transporting owned, leased or bailed property for commercial purposes and exempts vehicles at or below 8,000 pounds gross weight that do not transport hazardous substances. Tell the broker who owns the goods, vehicle weight and cargo class. ²

Which Cargo and Transit Providers Have Idaho 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 Idaho. 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 Idaho?

Idaho Department of Insurance

The Idaho Department of Insurance administers insurance laws and regulates insurers and licensed producers. It directs users to the NAIC State Based Systems lookup for producer and company licensing records and accepts consumer complaints. ^3,^7,⁴

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint
Phone: (208) 334-4250

Surplus-Lines Tax and Stamping Office in Idaho

Reported tax rate. 1.5% of premium when Idaho is the home state for property and casualty coverage ^5,^6,⁸

Idaho’s surplus-lines tax is 1.5%. For property-and-casualty insurance other than workers’ compensation, if Idaho is the insured’s home state the full premium is taxed regardless of where covered risks are located; other lines follow the statutory allocation rule. Surplus-lines policies do not receive Idaho guaranty-association protection.

Questions to Ask Before You Buy Cargo and Transit in Idaho

Does the freight rate depend on value, and how do I elect a higher declared value before tender?
Which carrier category and hazardous class, packaging and quantity apply under IDAPA 39.02.80?
Which document covers the carrier’s accident liability, and what separate policy would insure my goods interest?

Cargo and Transit Insurance in Idaho: Frequently Asked Questions

When can an Idaho carrier cap its liability at a stated value?

Only when its rates depend on value and the consignor is advised of and offered an opportunity to declare higher value. The cap does not apply to conversion to the carrier’s own use. ¹

Do Idaho’s hazardous-cargo limits set my cargo insurance limit?

No. IDAPA 39.02.80 sets carrier financial responsibility for specified accident losses, and its cited federal definitions/classifications come from the October 1, 1997 CFR edition. Confirm which current classification requirements govern your shipment; then ask for a separate goods-policy quote based on cargo value and route. ²

Sources for Cargo and Transit Insurance in Idaho

1
Idaho Code §28-7-309, Duty of Care—Contractual Limitation of Carrier’s Liability. Idaho State Legislature; §28-7-309(a)-(c); legislative history states added 2004, ch. 42, §2. Accessed 2026-09-28.
2
IDAPA 39.02.80, Rules Governing Motor Carrier Financial Responsibility. Idaho Transportation Department / Idaho Administrative Rules; §002 incorporation of 49 CFR 171.8, 172.101 and appendix, 173.403, 387 and 387.5 from CFR volume dated October 1, 1997; §§001, 010, 020(1), 020(3)-(5); posted PDF revision marks 3-31-22. Accessed 2026-09-28.
3
Idaho Department of Insurance. Idaho Department of Insurance; Official regulator homepage and consumer resources. Accessed 2026-09-28.
4
Consumers. Idaho Department of Insurance; Official consumer service bureau page with File a Complaint links and published phone. Accessed 2026-09-28.
5
Idaho Insurance Laws and Regulations. Idaho Department of Insurance; 2026 publication: Idaho Code § 41-1204, 1.5% premium tax and home-state allocation rule. Accessed 2026-09-28.
6
Surplus Lines. Idaho Department of Insurance; Idaho surplus-lines broker requirement and Idaho SLA membership. Accessed 2026-09-28.
7
Request Public Records. Idaho Department of Insurance; Department states that producer and insurer licensing records are maintained by State Based Systems and links to individual SBS Lookup Search. Accessed 2026-09-28.
8
Surplus Lines: Facts to Know. Idaho Department of Insurance; Department publication says there is no state guaranty-association coverage for surplus-lines insurance if the company becomes insolvent. 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 Insurance Requirements Apply in Idaho?

What Is Cargo and Transit Insurance?

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

Review Value-Dependent Freight Rates

Classify Hazardous Loads Precisely

Separate Accident Liability From Goods Damage

Check the Private-Carrier Boundary