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Cargo Insurance in Maryland

For a paid household-goods move within Maryland using a commercial motor vehicle, the mover must be registered; enforcement began March 1, 2026. The registration application asks for the insurer and policy number for liability and cargo coverage under 49 CFR §387.303, but a carrier filing does not establish the amount payable for your particular goods. 1,2,3,5

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.

Maryland Requirements

RequirementDetails
Intrastate household-goods mover registrationRegistration requires insurer and policy number showing liability and cargo coverage meeting 49 CFR §387.303; enforced from March 1, 2026. 1,2,3

What to Watch for in Maryland

  • Check the In-State Move Scope

    Maryland’s registration applies to paid household-goods moving services within the state even when the mover is based elsewhere. It covers personal, family, or household goods taken into a mover’s control for a fee, including temporary storage in transit; disposal or destruction moves are excluded. Ask whether your move fits that definition before applying the household-mover rule to commercial inventory. 2,3

  • Separate the Carrier Filing From Your Goods Value

    The application collects proof of both liability and cargo policies, while FMCSA’s current household-goods filing table varies by vehicle classification and lists cargo filing for vehicles with GVWR of at least 10,001 pounds. Ask the mover what its filing covers and compare the agreement’s valuation with your shipment value; neither registration nor the filing states that your goods are insured for replacement value. 1,5

  • Use the 2026 Enforcement Date

    The Labor Department’s November 2025 announcement says enforcement began March 1, 2026, although the department’s general registration page still shows a 2025 deadline. Check the current registration record for the mover you hire rather than relying on that older deadline text. 3,4

Who Regulates Insurance in Maryland

Maryland Insurance Administration

The Maryland Insurance Administration licenses producers and insurers, reviews rates and forms, and investigates complaints about insurance companies and producers. You can use its state lookup or complaint service to check a license or raise an insurance issue. 6,7,8

Surplus-lines tax and stamping office

Reported tax rate: 3% of gross premiums less returned premiums when Maryland is the insured's home state; excludes risks of Maryland and its political subdivisions When Maryland is the insured's home state, the tax is 3% of gross premiums less returned premiums, except insurance of risks of the State or a political subdivision. For policies effective on or after July 21, 2011, Maryland taxes the entire premium and the broker must charge the tax in addition to premium. Maryland's property and casualty guaranty corporation excludes surplus-lines policies. 9,10

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 Maryland. 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 Maryland

  1. Does my move count as paid household-goods service within Maryland, including any in-transit storage?
  2. What liability and cargo policy are listed on your Maryland registration, and what limit applies to this shipment?
  3. How does the bill of lading value each item, and what separate policy should cover the gap between that amount and my inventory value?

Cargo And Transit in Maryland: FAQ

Does a Maryland household-goods mover have to show cargo insurance? 1,2

Yes. A mover registering for covered in-state household-goods service must provide its insurer and policy number showing liability and cargo coverage meeting 49 CFR §387.303. That filing does not establish what your specific shipment would recover. 1,2

Does Maryland's mover registration apply to an out-of-state company? 3,2

Yes, for covered moves within Maryland. The Labor Department says the registration rule applies regardless of where the moving company is located; household-goods service using a commercial motor vehicle is within the statute’s scope. 3,2

Cargo And Transit in Other States

Other Coverage in Maryland

Sources

  1. Business Regulation §8.5-104, household-goods mover registration application. Maryland General Assembly; Subsection (7), insurer/policy number and 49 CFR §387.303. Accessed 2026-09-28.
  2. COMAR 09.30.01, General Regulations. Maryland Department of Labor; §§.02-.04, household goods/service scope, cargo proof and registration certificate term. Accessed 2026-09-28.
  3. New registration for household goods movers to launch in Maryland. Maryland Department of Labor; Dated Nov. 4, 2025; in-state scope and March 1, 2026 enforcement. Accessed 2026-09-28.
  4. Household Goods Movers Registration. Maryland Department of Labor; Current department landing page; deadline text remains dated March 1, 2025. Accessed 2026-09-28.
  5. Insurance Filing Requirements. Federal Motor Carrier Safety Administration; Motor Carrier of Property table, For-Hire Carriers of Household Goods row. Accessed 2026-09-28.
  6. Maryland Insurance Administration. Maryland Insurance Administration; Homepage and consumer contact. Accessed 2026-09-28.
  7. Insurance License Lookup. Maryland Insurance Administration; State-designated producer/company search. Accessed 2026-09-28.
  8. File an Insurance Complaint. Maryland Insurance Administration; State complaint process and contact. Accessed 2026-09-28.
  9. Md. Code, Insurance §3-324. Maryland General Assembly; Insurance §3-324(a)-(b), (d)-(f): government-risk exclusion; 3% of gross premiums less returns; entire-premium home-state basis from July 21, 2011, with tax charged in addition. Accessed 2026-09-28.
  10. Maryland Insurance Article (2026). Maryland General Assembly; Insurance §9-303(5), (7): surplus-lines and unauthorized insurers excluded from property and casualty guaranty subtitle; 2026 Insurance Article PDF. 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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