What Cargo Insurance Requirements Apply in New Jersey?

For household goods moved within New Jersey, N.J.A.C. 13:44D-4.6 lets a mover limit liability by contract to at least $1 per pound per article. The rule also allows increased valuation, but a mover offering it must match the amount to its cargo-liability insurance or arrange higher insurance for that move. These are mover-liability and valuation terms, not proof that your own cargo policy covers the shipment.

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.

New Jersey Cargo and Transit Insurance Requirements

Requirement	Details
Mover liability for goods in storage or transit	A mover may limit liability by contract to no less than $1 per pound per article. The order for service must state the mover’s liability; specified failures make a limitation void. ¹

What to Watch for With Cargo and Transit in New Jersey

A Per-Article Floor Can Be Far Below Replacement Cost
The $1-per-pound figure is a minimum amount to which a mover may limit liability, not an estimate of your goods’ value. Ask how the written order for service values each article and compare the limit with your shipment inventory. ¹
Ask Whether Increased Valuation Is Offered
New Jersey permits a mover to contract for increased valuation, but does not require every mover to offer it. If offered, its amount generally cannot exceed the mover’s cargo-liability insurance unless the mover arranges additional insurance for that move. ¹
Keep the Order for Service
The rule requires the mover to state its liability on the order for service and identifies failures that can void a contractual limit. Keep the completed form and any separate policy or certificate with your inventory. ¹
Use the Federal Valuation Options for an Interstate Move
If the shipment crosses a state line, New Jersey’s intrastate mover rule is not the governing valuation framework. FMCSA says interstate household-goods movers must offer Full Value Protection or Released Value; the latter is capped at 60 cents per pound per article. Compare the selected option and any extraordinary-value exclusions in the interstate contract. ^2,³

Which Cargo and Transit Providers Have New Jersey 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 New Jersey. 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. ¹³
Corgi lists a cargo contractual liability product in its transportation offering.

Who Regulates Insurance in New Jersey?

New Jersey Department of Banking and Insurance

New Jersey DOBI licenses insurers and producers, reviews insurance products and rates, monitors insurer solvency and responds to insurance complaints. The Property and Casualty unit regulates commercial and personal property and casualty rates, rules and forms. ^4,^5,^6,⁷

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint
Phone: 800-446-7467

Surplus-Lines Tax and Stamping Office in New Jersey

Reported tax rate. 5% of gross premium, less return premium ^8,^9,¹⁰

New Jersey’s Department of Banking and Insurance states a 5% surplus-lines tax for policies effective on or after July 1, 2009; its FAQ also describes direct-procurement tax filing for premium allocated to New Jersey. A New Jersey surplus-lines producer generally must make a diligent effort to place the risk with authorized insurers, subject to the exportable-list and other statutory exceptions. New Jersey’s separate surplus-lines guaranty fund has narrow coverage; ordinary commercial surplus-lines claims are generally outside guaranty protection.

Questions to Ask Before You Buy Cargo and Transit in New Jersey

What liability limit will appear on my order for service for each article, and what exceptions apply?
Do you offer increased valuation for my shipment, and what cargo-insurance limit backs that exact amount?
If I buy a separate cargo policy, who issues it and where can I read its covered property, deductible, and transit terms?

Cargo and Transit Insurance in New Jersey: Frequently Asked Questions

Does the $1-per-pound figure mean my goods are insured for replacement cost?

No. It is the lowest per-article amount to which a mover may limit liability by contract. It does not establish the value of your goods or prove that a separate policy pays replacement cost. ¹

Does the New Jersey liability rule apply only while a truck is moving?

No. N.J.A.C. 13:44D-4.6 addresses goods in storage or in transit. Read the order for service to see which mover or warehouseman is responsible during each stage. ¹

What if my move crosses a state line?

FMCSA’s rules apply to interstate household-goods moves and require the mover to offer Full Value Protection and Released Value. New Jersey directs consumers to the federal track for out-of-state movers; review the written valuation election for the route. ^2,³

Sources for Cargo and Transit Insurance in New Jersey

1
N.J. Admin. Code § 13:44D-4.6, Legal Liability. New Jersey Administrative Code, hosted by Legal Information Institute; Subsections (a)-(d); amendments effective Nov. 6, 2017 and Dec. 6, 2021. Accessed 2026-09-28.
2
Sting Operation by New Jersey Division of Consumer Affairs Catches 29 Unlicensed Movers. New Jersey Office of the Attorney General; Intrastate residential moves (beginning and ending in NJ), cargo-liability filing, and consumer advice on the $1-per-pound-per-article limit. Accessed 2026-09-28.
3
Liability & Protection. Federal Motor Carrier Safety Administration; Interstate scope and valuation options; Full Value Protection and Released Value, §§What are your options? and If you're moving within your state. Accessed 2026-09-28.
4
New Jersey Department of Banking and Insurance. New Jersey Department of Banking and Insurance; Official regulator homepage. Accessed 2026-09-28.
5
Division of Insurance. New Jersey Department of Banking and Insurance; States that Division issues insurer/producer licenses, reviews products and rates, monitors solvency and responds to consumer concerns. Accessed 2026-09-28.
6
Insurance Licensing and Education. New Jersey Department of Banking and Insurance; Official producer licensing page links to NJDOBI Licensee Search and SBS Licensee Search. Accessed 2026-09-28.
7
Consumer Information. New Jersey Department of Banking and Insurance; Official consumer assistance/complaints destination; DOBI hotline 800-446-7467. Accessed 2026-09-28.
8
Surplus Lines FAQs. New Jersey Department of Banking and Insurance; Current DOBI FAQ states 5% on policies effective on/after July 1, 2009 and identifies direct-procurement filing when NJ receives an out-of-state surplus-lines premium allocation. Accessed 2026-09-28.
9
N.J.A.C. 11:1-33.3, Surplus Lines Procurement Requirements. New Jersey Department of Banking and Insurance; Rule requires diligent effort to place with authorized insurer except coverages on Exportable List. Accessed 2026-09-28.
10
Surplus Lines Tax Q&A. New Jersey Department of Banking and Insurance; DOBI FAQ states Surplus Lines Guaranty Fund covers medical malpractice liability and property covering owner-occupied dwellings under four units; this is narrow and not ordinary business coverage. 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
About Risklytics. Risklytics; What we do; Who we insure; Licensing; Agency licenses table dated 2026-09-10. Accessed 2026-09-16.
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 New Jersey?

What Is Cargo and Transit Insurance?

New Jersey Cargo and Transit Insurance Requirements

What to Watch for With Cargo and Transit in New Jersey

A Per-Article Floor Can Be Far Below Replacement Cost

Ask Whether Increased Valuation Is Offered

Keep the Order for Service

Use the Federal Valuation Options for an Interstate Move