What Cargo Insurance Requirements Apply in Iowa?

Iowa defines household goods to include residential effects and certain establishment equipment, supplies and specialty art, but excludes ordinary stock-in-trade unless moved as part of relocating the establishment. A for-hire intrastate household mover must have authority and an approved tariff; neither that tariff nor the separate motor-carrier insurance requirement sets the shipper’s goods-policy limit.

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 Iowa?

Classify Inventory Versus Relocation Property
Iowa includes certain establishment equipment or supplies but excludes stock-in-trade unless transported as an incident to relocating the establishment. Tell the broker whether the load is routine inventory or a business relocation. ¹
Disclose Art and Specialty Displays
Iowa includes art, displays and exhibits when their unusual nature or value requires specialized household-moving handling and equipment. List those objects separately and ask how value and handling appear in the contract and goods-policy submission. ¹
Review the Approved Intrastate Tariff
An Iowa household mover may not perform intrastate service until its tariff is filed, posted and approved; changes usually require 30 days’ notice unless DOT orders otherwise. Request the current tariff and compare it with the quote and bill of lading. ^1,²
Keep Liability Proof Separate
Iowa requires motor-carrier insurance meeting federal Part 387 limits, and DOT describes Form E as authority proof. These documents do not state what is payable for your own goods; request that protection separately. ^1,²

Which Cargo and Transit Insurance Providers Have Iowa 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 Iowa. 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. ¹²
Corgi lists a cargo contractual liability product in its transportation offering.

Who Regulates Insurance in Iowa?

Iowa Insurance Division

The Iowa Insurance Division licenses insurance producers and maintains separate lists for licensed insurers and surplus-lines insurer categories. Its filing page routes most rate, rule and form filings through SERFF and identifies filings requiring prior approval; eligible surplus-lines insurers are not required to file or seek approval of their rates or forms. ^3,^9,^8,^4,⁵

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint
Phone: 515-654-6600

Surplus-Lines Tax and Stamping Office in Iowa

Reported tax rate. 0.925% of surplus-lines premiums when Iowa is the insured's home state, for 2026 ^6,⁷

When Iowa is the insured's home state, the 2026 premium tax is 0.925%, and the surplus-lines producer shall collect and pay it to the state in addition to gross premium. Placement generally requires an eligible surplus-lines insurer and a diligent search showing the full amount or type is unavailable from an admitted insurer; an exempt commercial purchaser may bypass that search only after the producer discloses that admitted insurance may be available and may offer greater protection and oversight, then the purchaser subsequently requests surplus-lines placement in writing.

What Should You Ask Before Buying Cargo and Transit Insurance in Iowa?

Is my load Iowa household-goods property or ordinary stock-in-trade outside that definition?
For business relocation art or displays, what values and handling details go into the carrier contract and cargo-policy submission?
Can I review the current approved tariff and distinguish the carrier liability filing from my own goods cover?

Cargo and Transit Insurance in Iowa: Frequently Asked Questions

Does Iowa treat every business inventory shipment as household goods?

No. Iowa includes certain establishment equipment and supplies but excludes stock-in-trade unless transported as part of relocating the establishment. Describe whether your shipment is ordinary inventory or a business relocation. ¹

What should I check in an Iowa household mover’s tariff?

Iowa requires the intrastate household-goods tariff to be filed, posted and approved before service; changes generally require 30 days’ notice unless DOT orders otherwise. Compare rates and charges with your quote and contract. ^1,²

Sources for Cargo and Transit Insurance in Iowa

1
Iowa Code 2026, Chapter 325A, Motor Carrier Authority. Iowa Legislature; §§325A.1(10), .3, .6 and .7A; 2026 official compilation dated December 9, 2025. Accessed 2026-09-28.
2
Iowa Motor Truck Information Guide. Iowa Department of Transportation, Motor Carrier Services; Intrastate Authority, pp. 53-54: carrier classes, authority, proof of insurance and HHG tariff filing. Accessed 2026-09-28.
3
Iowa Insurance Division. Iowa Insurance Division; Homepage; official insurance regulator. Accessed 2026-09-28.
4
Insurance License Lookup. Iowa Insurance Division; State-designated producer/company search. Accessed 2026-09-28.
5
File an Insurance Complaint. Iowa Insurance Division; Eligibility and process: regulated entities/individuals; insurance policy generally must be issued in Iowa, or group policy to Iowa-based employer; out-of-state-issued/purchased policy is not eligible; online form is preferred. Accessed 2026-09-28.
6
2026 Iowa Code, Chapter 432. Iowa Legislature; 2026 Iowa Code ch.432 §432.1(3)-(4): premium tax allocated to insured's Iowa home state; 2026 applicable rate 0.925%; §§1(5)-(6) payment schedule. Accessed 2026-09-28.
7
2026 Iowa Code, Chapter 515I. Iowa Legislature; 2026 Iowa Code ch.515I §§515I.3(1)(c), .3(2)(a), .4(3), .9: eligible-insurer and diligence conditions; producer shall collect and pay tax in addition to gross premium; eligible surplus-lines insurer rate/form filing exemption; ECP admitted-market disclosure re possible greater protection/oversight and subsequent written request. Accessed 2026-09-28.
8
Insurers Rate Filing and Policy Form Filings. Iowa Insurance Division; Current DOI filing page: lines 11–34 directs most rate/rule/form filings through SERFF and lists specific rates requiring filing and approval before use; 2026 Iowa Code §515I.4(3) separately exempts eligible surplus-lines insurers from rate/form filing or approval. Accessed 2026-09-28.
9
Insurers. Iowa Insurance Division; Current insurer categories separately list licensed insurers, Iowa-domiciled companies, alien surplus-lines insurers and American surplus-lines companies; lines 16–24. Accessed 2026-09-28.
10
Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
11
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.
12
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.
13
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.
14
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.
15
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.
16
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 Iowa?

What Is Cargo and Transit Insurance?

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

Classify Inventory Versus Relocation Property

Disclose Art and Specialty Displays

Review the Approved Intrastate Tariff

Keep Liability Proof Separate