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Cargo Insurance in Louisiana

Louisiana requires an intrastate household-goods mover to carry at least $50,000 per truck and $100,000 per catastrophe in motor-truck cargo insurance before move-related activity. This is the mover’s filing, not a guarantee that your goods are insured to value; for wholly intrastate common-carrier freight claims, §45:1097 sets a 30-day adjustment and payment period after filing. 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.

Louisiana Requirements

RequirementDetails
Intrastate household-goods mover cargo insuranceAt least $50,000 per truck and $100,000 per catastrophe before any activity related to household-goods moving. 1

What to Watch for in Louisiana

  • Limit the Filing Rule to Intrastate Household Moves

    The statutory cargo minimum applies to movers transporting household goods intrastate and must be in place before related activity. It is not stated as a requirement for every freight shipper or as a limit on your own goods policy. 1

  • Check the Mover’s Louisiana Establishment

    Louisiana requires a permanent establishment for any carrier, in-state or out-of-state domiciled, providing intrastate household-goods transportation; out-of-state carriers must register establishment details. Confirm the contracting carrier and address before booking. 1

  • Track the Intrastate Claim Date

    For common-carrier property or freight claims on shipments wholly within Louisiana, §45:1097 says the claim is adjusted and paid within 30 days after filing with the destination-point agent. It may be filed after arrival or a reasonable arrival time; keep both dates. 2

  • Compare Contract Value Terms

    Louisiana’s UCC permits a carrier liability cap only when rates depend on value and the consignor is advised of and offered a higher-value declaration. Ask for the rate/value options before tender; the carrier filing does not establish your own policy limit. 3

Who Regulates Insurance in Louisiana

Louisiana Department of Insurance

The Louisiana Department of Insurance licenses producers and insurers, reviews insurance filings, and investigates complaints about insurance companies and agents. You can use its state lookup or complaint service to check a license or raise an insurance issue. 4,5,6

Surplus-lines tax and stamping office

Reported tax rate: 4.85% of gross premium plus a 0.175% SLIP+ transaction fee for policies effective on or after July 1, 2026 For Louisiana-home-state policies effective on or after July 1, 2026, the state charges 4.85% of gross premium plus a 0.175% SLIP+ transaction fee, which your broker may add to your bill. Louisiana's required policy disclosure says these policies are not covered by the Louisiana Insurance Guaranty Association; state placement and filing rules still apply. 7,8

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 Louisiana. 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. 11

Questions to Ask Before You Buy in Louisiana

  1. Is this a Louisiana intrastate household move, and does the carrier named in my contract hold the required cargo filing?
  2. What bill-of-lading value choices and rates apply, compared with the goods value I want protected?
  3. Who receives a written claim at destination, and which arrival and filing dates should I retain?

Cargo And Transit in Louisiana: FAQ

What cargo insurance must a Louisiana intrastate household mover carry? 1

At least $50,000 per truck and $100,000 per catastrophe before activities related to intrastate household-goods moving. That is the mover’s insurance requirement, not a statement of the value insured for an individual shipper. 1

How quickly must a Louisiana carrier adjust an in-state freight-loss claim? 2

For a wholly in-state shipment, §45:1097 says within 30 days after filing with the carrier’s destination-point agent. It says a claim may be filed after arrival or after a reasonable arrival time has passed. 2

Cargo And Transit in Other States

Other Coverage in Louisiana

Sources

  1. Louisiana Revised Statutes §45:164, Common Carrier’s Certificate; Contract Carrier’s Permit. Louisiana State Legislature; §45:164(E)(1)-(2), intrastate household-goods cargo insurance and permanent establishment. Accessed 2026-09-28.
  2. Louisiana Revised Statutes §45:1097, Freight Loss or Damage; Time for Adjustment. Louisiana State Legislature; §45:1097, destination agent, arrival prerequisite and 30-day wholly in-state claim adjustment/payment. Accessed 2026-09-28.
  3. Louisiana Revised Statutes §10:7-309, Duty of Care; Contractual Limitation of Carrier’s Liability. Louisiana State Legislature; §10:7-309(a)-(c); 2009 amendment effective January 1, 2010. Accessed 2026-09-28.
  4. Louisiana Department of Insurance. Louisiana Department of Insurance; Homepage and consumer services. Accessed 2026-09-28.
  5. Insurance License Lookup. Louisiana Department of Insurance; State-designated producer/company search. Accessed 2026-09-28.
  6. File an Insurance Complaint. Louisiana Department of Insurance; State complaint process and contact. Accessed 2026-09-28.
  7. Surplus Lines Premium Tax. Louisiana Department of Insurance; Current tax/transaction fee and July 1, 2026 transition. Accessed 2026-09-28.
  8. La. R.S. 22:433. Louisiana Legislature; Required policy disclosure; no LIGA 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.

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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