--- title: "Cargo Insurance in Nebraska" description: "For an intrastate household-goods move, Nebraska PSC calls for carrier Form H and a current one-year mover license." canonical: "https://spot.insure/coverage/cargo-transit/nebraska" page-type: "coverage-state-guide" updated-at: "2026-09-28" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/coverage/cargo-transit/nebraska) # Cargo Insurance in Nebraska A Nebraska intrastate household-goods mover needs a PSC license and its insurer must file Form H for cargo coverage, alongside Form E for vehicle liability. The license lasts one year; the carrier filing does not set your shipment’s declared value or promise replacement cost.[^1][^2] **Coverage:** [Cargo and transit](/coverage/cargo-transit) · [Nebraska](/coverage/states/nebraska) ## 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](/coverage/cargo-transit). ## Nebraska Requirements | Requirement | Details | | --- | --- | | Intrastate household-goods carrier filing | PSC license; insurer files Form H for cargo and Form E for bodily-injury/property-damage liability. License valid for one year.[^1][^2] | ## What to Watch for in Nebraska ### Check the Annual PSC License Nebraska says HHG movers are licensed for intrastate services and a license expires after one year unless renewed. Check the PSC’s current list for the mover and service area before you book; an expired license means it is no longer authorized to provide the listed service.[^2] ### Separate Form H From Your Declared Value The PSC requires a carrier’s insurer to file both cargo Form H and liability Form E. These are carrier filings; they do not identify how your specific shipment is valued or whether it reaches replacement value. Ask for the cargo limit and signed value terms separately.[^1] ### Get the Current Written Price and Terms The PSC says it stopped setting intrastate household-goods rates on July 1, 2021. Ask for the current written charges, any accessorial fees, and the claim/value terms that go with them instead of assuming an older tariff fixes your recovery.[^2][^1] ## Who Regulates Insurance in Nebraska **Nebraska Department of Insurance.** The Nebraska Department of Insurance oversees insurers and producers and examines insurance complaints. Its online company and producer search is maintained through State Based Systems.[^3][^4][^5] - [Regulator website](https://doi.nebraska.gov/) - [License lookup](https://doi.nebraska.gov/company-and-producer-search) - [File a complaint](https://doi.nebraska.gov/consumer/file-complaint) - Phone: 877-564-7323 ### Surplus-Lines Tax and Stamping Office **Reported tax rate:** 3% of gross premium charged, less return premiums Nebraska’s 3% tax applies to gross premium charged less return premium when the risk is Nebraska’s home-state placement; fees paid to the carrier are taxable, while broker-retained or third-party fees are not. A Nebraska-licensed surplus-lines producer ordinarily must complete due diligence, while exempt-commercial-purchaser provisions permit limited exceptions; federal ECP status alone does not erase the disclosure and subsequent written-request conditions for the federal search waiver. Nebraska policies state that its Property and Liability Guaranty Association will not cover surplus-lines claims.[^6][^7][^8][^9] ## 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 that the product is available in Nebraska; [check the regulator’s license lookup](https://doi.nebraska.gov/company-and-producer-search) and confirm state availability for your business when requesting a quote. - [Corgi](/insurance-providers/corgi) — **Entity:** Corgi Insurance Services, Inc.; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** 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.[^12] ## Questions to Ask Before You Buy in Nebraska 1. Is your Nebraska PSC household-goods license current for the route and service I need? 2. Can your insurer confirm Form H for the exact legal carrier named on my order? 3. What written shipment value, claim terms, and extra service fees apply to my move? ## Cargo And Transit in Nebraska: FAQ ### What cargo filing does Nebraska require for intrastate household-goods movers? Nebraska PSC’s authority instructions say the insurer files Uniform Motor Carrier Cargo Certificate Form H with the Commission, alongside Form E for liability. Ask the carrier for the filed cargo limit and shipment valuation separately.[^1] ### Does Nebraska set household-goods mover rates? No. The PSC says it stopped setting intrastate household-goods moving rates on July 1, 2021. Get the mover’s current written charges and compare the value and claims terms in its contract.[^2] ## Cargo And Transit in Other States - [Alabama](/coverage/cargo-transit/alabama) - [Alaska](/coverage/cargo-transit/alaska) - [Arizona](/coverage/cargo-transit/arizona) - [Arkansas](/coverage/cargo-transit/arkansas) - [California](/coverage/cargo-transit/california) - [Colorado](/coverage/cargo-transit/colorado) - [Connecticut](/coverage/cargo-transit/connecticut) - [Delaware](/coverage/cargo-transit/delaware) - [District of Columbia](/coverage/cargo-transit/district-of-columbia) - [Florida](/coverage/cargo-transit/florida) - [Georgia](/coverage/cargo-transit/georgia) - [Hawaii](/coverage/cargo-transit/hawaii) - [Idaho](/coverage/cargo-transit/idaho) - [Illinois](/coverage/cargo-transit/illinois) - [Indiana](/coverage/cargo-transit/indiana) - [Iowa](/coverage/cargo-transit/iowa) - [Kansas](/coverage/cargo-transit/kansas) - [Kentucky](/coverage/cargo-transit/kentucky) - [Louisiana](/coverage/cargo-transit/louisiana) - [Maine](/coverage/cargo-transit/maine) - [Maryland](/coverage/cargo-transit/maryland) - [Massachusetts](/coverage/cargo-transit/massachusetts) - [Michigan](/coverage/cargo-transit/michigan) - [Minnesota](/coverage/cargo-transit/minnesota) - [Mississippi](/coverage/cargo-transit/mississippi) - [Missouri](/coverage/cargo-transit/missouri) - [Montana](/coverage/cargo-transit/montana) - [Nevada](/coverage/cargo-transit/nevada) - [New Hampshire](/coverage/cargo-transit/new-hampshire) - [New Jersey](/coverage/cargo-transit/new-jersey) - [New Mexico](/coverage/cargo-transit/new-mexico) - [New York](/coverage/cargo-transit/new-york) - [North Carolina](/coverage/cargo-transit/north-carolina) - [North Dakota](/coverage/cargo-transit/north-dakota) - [Ohio](/coverage/cargo-transit/ohio) - [Oklahoma](/coverage/cargo-transit/oklahoma) - [Oregon](/coverage/cargo-transit/oregon) - [Pennsylvania](/coverage/cargo-transit/pennsylvania) - [Rhode Island](/coverage/cargo-transit/rhode-island) - [South Carolina](/coverage/cargo-transit/south-carolina) - [South Dakota](/coverage/cargo-transit/south-dakota) - [Tennessee](/coverage/cargo-transit/tennessee) - [Texas](/coverage/cargo-transit/texas) - [Utah](/coverage/cargo-transit/utah) - [Vermont](/coverage/cargo-transit/vermont) - [Virginia](/coverage/cargo-transit/virginia) - [Washington](/coverage/cargo-transit/washington) - [West Virginia](/coverage/cargo-transit/west-virginia) - [Wisconsin](/coverage/cargo-transit/wisconsin) - [Wyoming](/coverage/cargo-transit/wyoming) [Other Coverage in Nebraska](/coverage/states/nebraska) ## Sources [^1]: [How to Apply for Authority](https://psc.nebraska.gov/how-apply-authority) — Nebraska Public Service Commission; Household goods movers, items 1-3, Form E/Form H and vehicle registration. Accessed 2026-09-28. [^2]: [Household Goods Movers Licensees](https://psc.nebraska.gov/household-goods-movers-licensees) — Nebraska Public Service Commission; Information for licensees/consumers, one-year term, §75-307 insurance enforcement, rate deregulation date. Accessed 2026-09-28. [^3]: [Nebraska Department of Insurance](https://doi.nebraska.gov/) — Nebraska Department of Insurance; Official department homepage.. Accessed 2026-09-28. [^4]: [Company and Producer Search](https://doi.nebraska.gov/company-and-producer-search) — Nebraska Department of Insurance; Nebraska DOI’s state-specific search landing page; identifies SBS as the source for producer and company licensing records.. Accessed 2026-09-28. [^5]: [File a Complaint](https://doi.nebraska.gov/consumer/file-complaint) — Nebraska Department of Insurance; Official complaint filing page; complaint division examines complaints; toll-free hotline 877-564-7323 is in-state only.. Accessed 2026-09-28. [^6]: [Surplus Lines](https://doi.nebraska.gov/insurers/surplus-lines) — Nebraska Department of Insurance; Current page states 3% on gross premiums less return premium; carrier fees included, broker-retained/third-party fees excluded; describes due-diligence and ECP/self-procurement rules.. Accessed 2026-09-28. [^7]: [Neb. Rev. Stat. §§44-5501–44-5515](https://nebraskalegislature.gov/laws/display_html.php?begin_section=44-5501&end_section=44-5515) — Nebraska Legislature; Surplus Lines Insurance Act; §§44-5502, 44-5509 and 44-5510 address home state, policy notice and due diligence.. Accessed 2026-09-28. [^8]: [Neb. Rev. Stat. §§44-5502, 44-5510 and 44-5515](https://nebraskalegislature.gov/laws/display_html.php?begin_section=44-5501&end_section=44-5515) — Nebraska Legislature; ECP definition, diligent-search rules, exempt purchaser filing/tax treatment; federal ECP waiver also requires broker disclosure and subsequent purchaser written request under 15 U.S.C. §8205.. Accessed 2026-09-28. [^9]: [Neb. Rev. Stat. §44-5509](https://nebraskalegislature.gov/laws/display_html.php?begin_section=44-5501&end_section=44-5515) — Nebraska Legislature; Required surplus-lines policy disclaimer says Nebraska Property and Liability Guaranty Association will not be liable.. Accessed 2026-09-28. [^10]: [Licenses](https://www.at-bay.com/licenses/) — At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21. [^11]: [Licenses and Carriers](https://www.coalitioninc.com/legal/licenses) — 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. [^12]: [Insurance Producer Licenses](https://www.corgi.insure/broker-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. [^13]: [About Hiscox US Insurance](https://www.hiscox.com/about-hiscox-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. [^14]: [Licenses](https://www.nextinsurance.com/insurance-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. [^15]: [Insurance Licenses by State](https://www.techinsurance.com/legal/licenses) — 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. [^16]: [Licenses](https://www.vouch.us/legal/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 2026-09-28. This guide is informational and does not determine whether a policy is available or meets your needs. [Editorial policy](/editorial-policy). 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