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Cargo Insurance in New York

For household-goods movers operating under New York State intrastate authority, NYSDOT requires the insurer to file and maintain both liability Form E and cargo Form H in the exact name on the authority. On a move that starts and ends in New York, the department says the mover must acknowledge a written loss or damage claim within 30 days and resolve it in writing within 120 days; NYSDOT cannot decide the value of the claim itself. 1,2

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.

New York Requirements

RequirementDetails
Intrastate household-goods mover filingsNYSDOT requires the insurer to file and maintain liability Form E and cargo Form H in the exact name shown on the carrier’s operating authority. 1

What to Watch for in New York

  • Check Form H Separately From Form E

    NYSDOT names Form E as liability evidence and Form H as cargo evidence. Ask for the cargo filing and issuing carrier under the exact operating-authority name; an auto-liability certificate does not answer what cargo insurance is filed. 1

  • Calendar the Written Claim Milestones

    For intrastate moves, NYSDOT says a mover must acknowledge a written loss or damage claim within 30 days and resolve it in writing within 120 days. A resolution may be payment, compromise, or denial; send the written claim promptly and keep delivery documents. 2

  • Use the Right Route for Your Move

    NYSDOT handles moves that start and finish within New York. If a shipment crosses a state line, the department directs consumers to federal jurisdiction; its state complaint process also cannot adjudicate the amount of a loss or damage claim. 2

Who Regulates Insurance in New York

New York State Department of Financial Services

New York DFS supervises insurance companies and producers, administers insurance law and accepts consumer complaints about property and casualty policies, including commercial insurance. 3,4,5,6

Surplus-lines tax and stamping office

Reported tax rate: 3.6% of gross premium, less returned premium; ELANY stamping fee is 0.15% through 2026 and 0.17% for policies incepting on/after Jan. 1, 2027 When New York is the insured’s home state, excess-line tax is 3.6% of gross premium less returned premium. ELANY’s September 20, 2026 bulletin sets a 0.15% stamping fee through December 31, 2026 and 0.17% for policies incepting on or after January 1, 2027; statutory search requirements and guaranty-fund protection depend on the applicable New York excess-line rules. 7,8,9,10

Excess Line Association of New York

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 New York. 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. 13

Questions to Ask Before You Buy in New York

  1. Can you provide the current Form H filing and name the insurer and operating-authority entity it covers?
  2. What cargo limit, deductible, valuation basis, and excluded goods apply to the shipment I am tendering?
  3. Where must I submit a written claim, and what evidence should accompany it to start the 30-day acknowledgment period?

Cargo And Transit in New York: FAQ

What do NYSDOT Forms E and H show for a household-goods mover? 1

Form E is liability insurance evidence; Form H is cargo insurance evidence. NYSDOT says the insurer must file both under the exact name shown on the mover’s authority. 1

Can NYSDOT order a mover to pay a cargo-loss claim? 2

NYSDOT says it cannot adjudicate loss or damage claims. It reports that a mover must acknowledge a written claim within 30 days and resolve it in writing within 120 days; a dissatisfied shipper may seek resolution in court. 2

Cargo And Transit in Other States

Other Coverage in New York

Sources

  1. Registration and Licensing: Household Goods Moving Authority. New York State Department of Transportation; Household goods compliance, Evidence of Insurance items 1-2 (Forms E and H). Accessed 2026-09-28.
  2. Moving: Consumer Information and Complaints. New York State Department of Transportation; Intrastate/interstate complaint jurisdiction and loss-or-damage claim response; lines 70-80. Accessed 2026-09-28.
  3. New York State Department of Financial Services. New York State Department of Financial Services; Official regulator homepage. Accessed 2026-09-28.
  4. Who We Supervise. New York State Department of Financial Services; DFS describes insurance oversight and provides links to company and producer searches. Accessed 2026-09-28.
  5. Consumer Complaints. New York State Department of Financial Services; Official portal files insurance complaints for health, life and property/casualty insurance. Accessed 2026-09-28.
  6. New York Insurance Law §2118(d)(1). New York State Senate; Current statutory text: 3.6% of gross premiums less returned premium when New York is the insured’s home state. Accessed 2026-09-28.
  7. ELANY Bulletin 2026-20: Notice of Change in Stamping Fee. Excess Line Association of New York; September 20, 2026 bulletin: 0.17% applies to policies incepting from Jan. 1, 2027; endorsements on policies incepting Jan. 1, 2023–Dec. 31, 2026 retain 0.15%; excess-line tax remains 3.6%. Accessed 2026-09-28.
  8. New York Insurance Law §2118. New York State Senate; Excess-line broker duties and filing requirements; §2118(a) due care; exceptions should be applied only where statutory conditions are met. Accessed 2026-09-28.
  9. New York Insurance Law §2118. New York State Senate; Excess-line statutory duties and policies; source is used for placement context. No state-specific guaranty cap/note included. 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. 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.
  15. 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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