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Cargo Insurance in Kentucky

When a Kentucky intrastate household-goods carrier offers to procure shipper insurance, 601 KAR 1:080 requires an all-risk policy for transit or temporary storage, based on the shipper’s declared amount, with the shipper as direct beneficiary and policy evidence before movement. Buying or refusing that offer does not change carrier liability, so review the policy and bill of lading as separate protections. 1,2

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.

Kentucky Requirements

RequirementDetails
Carrier-arranged shipper insuranceIf offered for a covered HHG move, it must be all-risk in nature for transit/temporary storage, in the amount declared by shipper, name shipper direct beneficiary, and provide policy or application evidence before movement. 1

What to Watch for in Kentucky

  • Apply the Rule to the Carrier’s Offer

    Section 5 governs insurance a Kentucky household-goods common carrier or its representative offers to procure; it does not describe every independent goods policy. Ask who arranges the product and compare insured interests and documents. 1

  • Check Transit and Temporary Storage

    A carrier-arranged policy must be all-risk in nature for transit or temporary storage under the regulation. Obtain the policy or application evidence before movement and verify declared amount and beneficiary with the issuing insurer. 1

  • Keep Carrier Liability in View

    Kentucky says buying or refusing shipper insurance does not affect carrier liability and bars carriers from contracting away common-law liability. Read the bill of lading alongside the optional goods policy. 1

  • Keep Weight and Value Records Together

    601 KAR 1:080 §1 describes tare and gross weights for household-goods shipments and requires a weight certificate when those weights are required. Under §7, an irregular-route common carrier must issue a freight bill for an intrastate household-goods shipment; if transportation charges are based on both weight and mileage, it must list vehicle gross and tare weights, shipment net weight, mileage, the per-100-pound rate and transportation charges. Check the rate method and keep the matching freight bill or certificate; neither sets insured value. 1

Who Regulates Insurance in Kentucky

Kentucky Department of Insurance

The Kentucky Department of Insurance licenses agents and insurers, monitors the insurance market, and accepts complaints about insurance companies and agents. You can use its state lookup or complaint service to check a license or raise an insurance issue. 3,4,5

Surplus-lines tax and stamping office

Reported tax rate: 3% on Kentucky-home-state premiums and other premium consideration; separate 1.8% surcharge on eligible risks located in Kentucky, subject to statutory exceptions; applicable local-government premium tax may also apply When Kentucky is the insured's home state, the state tax is 3% of premium and other consideration treated as premium; local-government premium taxes may also apply. A separate 1.8% surcharge generally applies to Kentucky risks, but state law exempts multistate nonadmitted risks and specified government and nonprofit premiums. The broker must make a diligent effort to place coverage with an admitted carrier before using surplus lines. 6,9,7,8,10

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 the product is available in Kentucky. Check the regulator’s license lookup and confirm state availability for your business when requesting a quote.

  • CorgiCorgi Insurance Services, Inc.Insurance producer · checked 2026-09-28Corgi’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. 13

Questions to Ask Before You Buy in Kentucky

  1. Is this an intrastate Kentucky household move covered by 601 KAR 1:080, and who arranges the insurance?
  2. Can I receive the policy or application evidence before pickup, showing my declared amount and beneficiary status?
  3. How do the bill-of-lading liability terms, inventory and offered policy apply to damage during temporary storage?

Cargo And Transit in Kentucky: FAQ

When must a Kentucky mover give evidence of insurance it arranges? 1

For carrier-procured insurance for a covered household-goods move, 601 KAR 1:080 requires a policy copy or evidence of application before movement. The shipper must be the direct beneficiary and the amount must be what the shipper declared. 1

Does refusing a Kentucky mover’s insurance offer remove its liability? 1,2

No. The regulation says purchase or refusal does not affect the carrier’s legal liability. Review carrier terms separately from any goods policy. 1,2

Cargo And Transit in Other States

Other Coverage in Kentucky

Sources

  1. 601 KAR 1:080, Household Goods Carriers. Kentucky Legislative Research Commission; §5(1)-(3) shipper insurance and carrier liability; §6 bill of lading; correction effective August 27, 2026. Accessed 2026-09-28.
  2. Household Goods. Kentucky Transportation Cabinet, Division of Motor Carriers; Intrastate HHG authority and Form H/Form E filing instructions. Accessed 2026-09-28.
  3. Kentucky Department of Insurance. Kentucky Department of Insurance; Homepage and consumer telephone. Accessed 2026-09-28.
  4. Insurance License Lookup. Kentucky Department of Insurance; State-designated producer/company search. Accessed 2026-09-28.
  5. File an Insurance Complaint. Kentucky Department of Insurance; Official DOI consumer complaint page accepts complaints involving general liability and disputes with insurers, agents or adjusters. Accessed 2026-09-28.
  6. KRS 304.10-180. Kentucky General Assembly; KRS 304.10-180(1): Kentucky-home-state; 3% applies to premiums, assessments, fees, charges or other premium consideration; local premium tax is separate. Accessed 2026-09-28.
  7. Local Government Premium Taxes. Kentucky Department of Insurance; Current local tax schedules. Accessed 2026-09-28.
  8. KRS 304.10-090. Kentucky General Assembly; KRS 304.10-090 requires policy notice that nonadmitted insurer is not a Kentucky Insurance Guaranty Association member and its benefits are unavailable upon insolvency. Accessed 2026-09-28.
  9. KRS 136.392. Kentucky General Assembly; KRS 136.392(1),(5)-(6): $1.80 per $100 on premium/other charges for Kentucky risks; named government/nonprofit exceptions; multistate nonadmitted risks exempt. Accessed 2026-09-28.
  10. Surplus Lines. Kentucky Department of Insurance; Full page states licensed surplus-lines brokers must make a diligent effort to place with an admitted carrier before exporting coverage. Accessed 2026-09-28.
  11. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  12. 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.
  13. 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.
  14. 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.
  15. 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.
  16. 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.
  17. 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 .

This guide is informational and does not determine whether a policy is available or meets your needs. Editorial policy. To suggest a correction, contact Spot with a supporting source.

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