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Cargo Insurance in Mississippi

Mississippi’s online household-goods carrier guide lists cargo amounts by load weight but says its requirements match 49 CFR Part 387; FMCSA’s current household-goods table instead conditions the filing on vehicle GVWR and lists a $5,000 cargo filing. Because those classifications do not align, the current Mississippi filing applicable to your mover and vehicle remains unverified. 1,2,3

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.

What to Watch for in Mississippi

  • Resolve the Load-Weight and GVWR Conflict

    MDOT’s undated HHG guide lists $5,000 for loads at or below three tons and $10,000 above three tons, while FMCSA’s current table uses a household-goods vehicle GVWR threshold of 10,001 pounds and lists $5,000 cargo filing. Do not use the old table to infer your mover’s current filing; ask MDOT and the carrier for the applicable filed form and category. 1,2

  • Keep the Filing Separate From Your Goods Value

    The MDOT table describes carrier cargo liability, not a declared value or a policy on the shipper’s goods. Ask for the carrier’s actual policy or bond terms and compare them with the maximum shipment value you need to protect. 1,2

  • Confirm the Carrier’s Legal Role

    The available 2024 code text for §77-7-151 describes a duty of safe and adequate service for a common carrier of household goods by motor vehicle. It does not support treating every contract carrier as subject to that same sentence; ask which legal entity and carrier role your agreement names. 3

Who Regulates Insurance in Mississippi

Mississippi Insurance Department

The Mississippi Insurance Department licenses agents and companies, enforces state insurance laws, and investigates insurance complaints. 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% premium tax and 0.25% stamping fee on gross premium and policy fees when Mississippi is the insured's home state; MSLA says do not report if Mississippi is not the home state unless 100% of premium is allocated to Mississippi. A separate 3% MWUA fee applies to gross premium and policy fees except residential flood and earthquake. For policies quoted or bound on or after July 1, 2017, Mississippi no longer requires a general diligent search before surplus-lines placement. If Mississippi is the insured's home state, the published charges are 4% premium tax and a 0.25% stamping fee on gross premium and policy fees, plus a separate 3% MWUA fee except for residential flood and earthquake; Mississippi's required policy notice says a nonadmitted insurer is not protected by the Mississippi Insurance Guaranty Association if it becomes insolvent. 7,8,9,10,11

Mississippi Surplus Lines Association

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 Mississippi. 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. 14

Questions to Ask Before You Buy in Mississippi

  1. Which current Mississippi filing category applies to this vehicle’s GVWR and the goods on my route?
  2. Can you provide the current Form H or other cargo filing and identify the carrier entity it covers?
  3. What shipment value is recorded in the transport contract, and what separate goods policy would cover the balance?

Cargo And Transit in Mississippi: FAQ

Are Mississippi’s published $5,000 and $10,000 household-goods cargo figures confirmed as current? 1,2

Not from the sources reviewed. MDOT’s undated guide uses load-weight bands, while FMCSA’s current household-goods filing table uses vehicle GVWR and lists a $5,000 cargo filing; ask MDOT which current state filing applies to your carrier. 1,2

Does a Mississippi carrier cargo filing insure my goods for their full value? 1,2,3

No. The filing table is evidence of carrier-side cargo liability; it does not state your shipment’s agreed valuation or establish a first-party policy on your goods. Review both the transport contract and any separate goods policy. 1,2,3

Cargo And Transit in Other States

Other Coverage in Mississippi

Sources

  1. Household Goods and Passenger Carriers Guidelines. Mississippi Department of Transportation; Page 2, cargo insurance and 49 CFR Part 387 table; PDF has no visible revision date. Accessed 2026-09-28.
  2. Insurance Filing Requirements. Federal Motor Carrier Safety Administration; Current Motor Carrier of Property table, For-Hire Carriers of Household Goods row; GVWR >=10,001. Accessed 2026-09-28.
  3. Mississippi Code §77-7-151 (2024). Mississippi Legislature, via official code publisher; Current 2024 code text; common carrier of household goods, safe and adequate service; official code portal: https://sos.ms.gov/publications-external-affairs/mississippi-law. Accessed 2026-09-28.
  4. Mississippi Insurance Department. Mississippi Insurance Department; Homepage and consumer/licensing services. Accessed 2026-09-28.
  5. Insurance License Lookup. Mississippi Insurance Department; State-designated producer/company search. Accessed 2026-09-28.
  6. File an Insurance Complaint. Mississippi Insurance Department; State complaint process and contact. Accessed 2026-09-28.
  7. E-Pay Frequently Asked Questions. Mississippi Surplus Lines Association; Current MSLA E-Pay FAQ, question 'What are the current rates...' (lines 112–116): 0.25% stamping fee and 4% premium tax, both on gross premium and policy fees. Accessed 2026-09-28.
  8. E-Pay Frequently Asked Questions. Mississippi Surplus Lines Association; Current MSLA E-Pay FAQ, lines 112–118: MWUA nonadmitted policy fee 3% on gross premium and policy fees, excluding residential flood and earthquake. Accessed 2026-09-28.
  9. Insurer FAQs. Mississippi Surplus Lines Association; Current MSLA insurer FAQ, question 'What is a Home State?...' (lines 90–92): defines insured's home state under NRRA; directs no Mississippi reporting if Mississippi is not home state unless 100% of premium is allocated to Mississippi; MS-home-state written premium is reported. Accessed 2026-09-28.
  10. Mississippi Department of Insurance Bulletin 2017-3. Mississippi Insurance Department; Issued May 12, 2017; page 1, visually verified: HB 447 removed the diligent-search requirement; on/after July 1, 2017 producers need not conduct a diligent search before placement and bulletin applies to policies quoted/bound on/after that date. Page 2, visually verified: required policy notice states policy is not protected by MIGA upon insurer insolvency; page 2 also withdraws Bulletins 2012-4 and 2015-5. Accessed 2026-09-28.
  11. Mississippi Department of Insurance Bulletin 2017-3. Mississippi Insurance Department; Issued May 12, 2017; page 1, visually verified: after HB 447, no general diligent search is required for policies quoted or bound on/after July 1, 2017; not an ECP-only exception. 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.

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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