What Cargo Insurance Requirements Apply in Minnesota?

Minnesota requires a household-goods mover to file $50,000 in cargo insurance or a cargo bond issued in the exact name of its permit holder. A separate rule requires the mover to tell you the shipment’s released value and how to arrange insurance above it, so compare that declared value with your goods before pickup.

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.

Minnesota Cargo and Transit Insurance Requirements

Requirement	Details
Household-goods mover cargo security	$50,000 cargo insurance or cargo bond in the full correct permit-holder name. A §221.141 exception applies to a 501(c)(3) organization transporting to further its charitable mission; §65B.48 then applies. ¹

What to Watch for With Cargo and Transit in Minnesota

Match the Filing to the Permit Holder
Minnesota’s cargo certificate or bond must use the full and correct name of the person or company holding the household-goods permit and whose operations are insured. Match the name on your order and bill of lading to the carrier entity instead of treating a brand or a generic certificate as proof. ¹
Choose the Shipment’s Released Value
At loading, the mover must call out the tariff’s released value and explain in writing that you need insurance above it to recover more. Unless you handwrite a release to 60 cents per pound per article, the carrier’s maximum liability is the greater of a declared lump-sum value or $1.25 per pound of shipment weight; if you write neither an actual value nor the 60-cent release, the form defaults to $1.25 per pound. If you request and pay for insurance for excess or full value, the mover must obtain it and give you evidence by pickup. If you are the employer of the goods’ actual owner, pay all transport charges, and arrange a 60-cent release, you may instruct the carrier by purchase order or advance letter, which it must reference in the bill of lading. If the mover fails to give the required written notice or to provide evidence of insurance you paid for by pickup, the rule makes it responsible for full value of items lost or damaged while loading, transporting, or unloading. ^2,³
Keep the Carrier Filing Separate From Your Goods Policy
The $50,000 filing is a carrier cargo-insurance or bond requirement for the permitted mover; Minnesota separately addresses the value released for an individual shipment. Ask whether the specific arrangement covers your interest and compare it with your own first-party goods coverage. ^1,²

Which Cargo and Transit Providers Have Minnesota 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 Minnesota. 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. ¹⁴
Corgi lists a cargo contractual liability product in its transportation offering.

Who Regulates Insurance in Minnesota?

Minnesota Department of Commerce

The Minnesota Department of Commerce regulates insurance companies and producers, reviews rates and forms, and investigates complaints. You can use its state lookup or complaint service to check a license or raise an insurance issue. ^4,^5,⁶

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint
Phone: 651-539-1600

Surplus-Lines Tax and Stamping Office in Minnesota

Reported tax rate. 3% of taxable gross premiums less return premiums, plus a 0.04% stamping fee on taxable premium when Minnesota is the insured's home state ^7,^10,^8,^9,¹¹

When Minnesota is the insured's home state, 3% tax applies to taxable gross premiums less return premiums; the separate 0.04% stamping fee on taxable premium is paid by you to the broker. Minnesota requires a policy warning that insolvency loss payment by a nonadmitted insurer is not guaranteed. A diligent search generally applies unless a Minnesota-licensed producer unaffiliated with the surplus-lines broker refers the risk, which the statute deems unavailable from a licensed insurer; an exempt commercial purchaser also has a separate written-request route after the required admitted-market disclosure.

Minnesota Surplus Lines Association

Questions to Ask Before You Buy Cargo and Transit in Minnesota

Does the cargo certificate or bond name the exact entity on my permit, estimate, and bill of lading?
What released value does your tariff assign to each item, and how do I elect a higher value?
If I pay for shipment-specific coverage through the carrier, can you provide its evidence before pickup?

Cargo and Transit Insurance in Minnesota: Frequently Asked Questions

How much cargo insurance must a Minnesota household-goods mover file?

At least $50,000 in cargo insurance or a cargo bond. The filing must use the full and correct name of the household-goods permit holder whose operations are insured. ¹

Does Minnesota’s $50,000 mover filing set what my damaged items are worth?

No. The $50,000 mover filing does not set your shipment’s value. Unless you handwrite a release to 60 cents per pound per article, the carrier’s stated maximum is the greater of declared lump-sum value or $1.25 per pound of shipment weight; if you write neither value, the form defaults to $1.25 per pound. Ask for the written notice and any paid-for policy evidence by pickup. ^1,^2,³

Sources for Cargo and Transit Insurance in Minnesota

1
Minnesota Statutes §221.141, Insurance or Bond. Minnesota Revisor of Statutes; Subdivisions 1(c), 4; 2025 statute, household-goods mover cargo amount/name and charitable exception. Accessed 2026-09-28.
2
Minnesota Rules 7800.2000, Household Goods Carrier. Minnesota Revisor of Statutes; Subpart 2, insurance coverage on shipment; read with 7800.2100 released-value bill-of-lading form. Accessed 2026-09-28.
3
Minnesota Rules 7800.2100, Bill of Lading Issued for Shipment. Minnesota Revisor of Statutes; Intrastate household-goods shipment statement, handwritten release, default released value, employer shipper exception, and trip insurance; history 17 SR 1279, published electronically September 9, 2005. Accessed 2026-09-28.
4
Insurance. Insurance; Insurance regulator and consumer resources. Accessed 2026-09-28.
5
Insurance License Lookup. Insurance; State-designated producer/company search. Accessed 2026-09-28.
6
File an Insurance Complaint. Insurance; Insurance complaint topic; filing portal, complaints line, email contact. Accessed 2026-09-28.
7
Minn. Stat. §297I.05. Minnesota Revisor of Statutes; 3% on gross premiums less return premiums when Minnesota is insured's home state; 100% taxable in Minnesota. Accessed 2026-09-28.
8
Instructions for 2026 Semiannual Stamping Fee Report. Minnesota Surplus Lines Association; 2026 report p.1, lines 82–94: stamping fee rate .0004 (0.04%) of policy premium for transactions effective on or after October 1, 2016; current report linked from the association's 2026 site. Accessed 2026-09-28.
9
Minn. Stat. §60A.207. Minnesota Revisor of Statutes; 2025 text, lines 250–255: policy notice states insurer is not otherwise licensed in Minnesota and insolvency loss payment is not guaranteed. Accessed 2026-09-28.
10
Minn. Stat. §297I.01. Minnesota Revisor of Statutes; Definition of gross premiums for nonadmitted insurance includes fees, assessments and other consideration, with stamping fee and operating assessment exclusions. Accessed 2026-09-28.
11
Minnesota Statutes 2025, §60A.201. Minnesota Revisor of Statutes; 2025 Minn. Stat. §60A.201 subd.1 (admitted-market restriction); subd.5 (ECP disclosure and subsequent written request); subd.6 (risk referred by unaffiliated Minnesota-licensed producer deemed unavailable). Amendments listed through 2025. Accessed 2026-09-28.
12
Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
13
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.
14
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.
15
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.
16
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.
17
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.
18
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 Minnesota?

What Is Cargo and Transit Insurance?

Minnesota Cargo and Transit Insurance Requirements

What to Watch for With Cargo and Transit in Minnesota

Match the Filing to the Permit Holder

Choose the Shipment’s Released Value

Keep the Carrier Filing Separate From Your Goods Policy