What Cargo Insurance Requirements Apply in Nevada?

Before regulated Nevada household-goods service, the carrier must tell you in writing the scope of standard liability and whether additional coverage is available. Nevada also requires a lost-or-damaged freight claim against a common or contract motor carrier within seven days after discovery, so get the carrier’s written claim and valuation terms 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.

Nevada Cargo and Transit Insurance Requirements

Requirement	Details
Notice for regulated household-goods service	Before service, the carrier must give written notice of standard-liability scope and availability of additional coverage. ¹
Lost/damaged freight claim deadline	Submit a claim against a common or contract motor carrier within 7 days after discovering loss or damage. ¹

What Should You Watch for With Cargo and Transit Insurance in Nevada?

Do Not Apply One Cargo Limit to Every Carrier
NAC 706.191 lists $15,000 per vehicle and $30,000 per event/place for common or contract property carriers other than fully regulated carriers; fully regulated household-goods carriers have separate rules. Ask whether the carrier’s NTA authority is fully regulated before using that table to evaluate cargo protection. ^1,²
Get the Liability Notice Before Service
For service regulated by the Nevada Transportation Authority, a household-goods carrier must tell you in writing what its standard liability covers and whether extra coverage is available. Compare that notice with the actual shipment value and ask how additional coverage is documented. ¹
Calendar the Seven-Day Claim Window
A shipper’s claim against a common or contract carrier for lost or damaged freight or baggage is due within seven days after discovery; the carrier then has 14 days to pay or deny in writing. Record discovery promptly and use the carrier’s written process. ¹
Separate a COD Bond From Cargo Insurance
Nevada’s bond for certain intrastate carriers collecting a shipper’s sale price on delivery protects against mishandling the money collected, not physical loss or damage to cargo. If your deal uses collect-on-delivery, ask separately for the cargo policy and settlement terms. ²

Which Cargo and Transit Providers Have Nevada 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 Nevada. 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. ¹²
Corgi lists a cargo contractual liability product in its transportation offering.

Who Regulates Insurance in Nevada?

Nevada Division of Insurance

The Nevada Division of Insurance regulates insurers and producers and provides a license verification tool for agents, agencies and companies. Its Consumer Services unit accepts insurance complaints and questions. ^3,^4,⁵

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint
Phone: 888-872-3234

Surplus-Lines Tax and Stamping Office in Nevada

Reported tax rate. Same tax rate as admitted coverage of the same kind; an approved filing fee may also apply ^6,^7,^8,⁹

When Nevada is the insured’s home state, Nevada taxes surplus-lines coverage at the rate imposed on similar admitted coverage and adds any approved filing fee; the rate therefore depends on the line and applicable fee approval. Nevada law requires a diligent effort to place coverage with authorized insurers except where the statutory exempt-commercial-purchaser conditions apply, and the policy must warn that the Nevada Insurance Guaranty Association will not cover the contract.

Questions to Ask Before You Buy Cargo and Transit in Nevada

Is this carrier fully regulated by NTA, and which cargo-insurance schedule applies to that authority?
Can I have the required written description of standard liability and additional coverage before pickup?
If goods are lost or damaged, which address accepts a claim and what date starts the seven-day deadline?
Does the transaction include collect-on-delivery proceeds, and what separate bond protects those funds?

Cargo and Transit Insurance in Nevada: Frequently Asked Questions

How long do I have to submit a Nevada carrier cargo claim?

NAC 706.333 gives a shipper or consignor seven days after discovering lost or damaged freight or baggage to submit a claim against a common or contract motor carrier. The carrier then has 14 days to pay or send a written denial. ¹

Must a Nevada household-goods carrier explain its standard liability?

Yes, before NTA-regulated service it must give written notice of the scope of standard liability and whether additional coverage is available. Ask for that notice before you sign or load. ¹

Sources for Cargo and Transit Insurance in Nevada

1
Nevada Administrative Code Chapter 706, Motor Carriers. Nevada Legislature, Legislative Counsel Bureau; NAC 706.191, .333 and .334; cargo filing scope, claim deadline and HHG liability notice. Accessed 2026-09-28.
2
Nevada Revised Statutes Chapter 706, Motor Carriers. Nevada Legislature, Legislative Counsel Bureau; NRS 706.072, .137, .296, and .443(4); full-regulated scope, HHG service, COD bond, loss complaint handling. Accessed 2026-09-28.
3
Nevada Division of Insurance. Nevada Division of Insurance; Official regulator homepage; current page describes insurance oversight and consumer services. Accessed 2026-09-28.
4
Verify a License. Nevada Division of Insurance; Official Verify a License destination (redirects to di.nv.gov licensing search); regulator materials identify agent/company license verification there. Accessed 2026-09-28.
5
File a Complaint. Nevada Division of Insurance; Official consumer complaint destination; Division Consumer Services handles insurance complaints; toll-free 888-872-3234. Accessed 2026-09-28.
6
NRS Chapter 685A, Nonadmitted Insurance. Nevada Legislature; Current codification, revised April 15, 2026; §685A.130 diligent effort/exempt purchaser provisions; §685A.155 broker fees. Accessed 2026-09-28.
7
NRS §685A.175. Nevada Legislature; Current codification says Nevada-home-state surplus-lines premium tax equals the rate on similar admitted coverage and includes fees imposed under §685A.075. Accessed 2026-09-28.
8
NRS §§685A.032, 685A.130. Nevada Legislature; Defines exempt commercial purchaser and sets placement/search provisions; assess full statutory criteria before treating a placement as exempt. Accessed 2026-09-28.
9
NRS §685A.090. Nevada Legislature; Mandated policy text says a claim under the nonadmitted contract is not covered by the Nevada Insurance Guaranty Association Act. Accessed 2026-09-28.
10
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. 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. 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. 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. 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. 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. 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 Nevada?

What Is Cargo and Transit Insurance?

Nevada Cargo and Transit Insurance Requirements

What Should You Watch for With Cargo and Transit Insurance in Nevada?

Do Not Apply One Cargo Limit to Every Carrier

Get the Liability Notice Before Service

Calendar the Seven-Day Claim Window

Separate a COD Bond From Cargo Insurance