--- title: "Cargo Insurance in North Carolina" description: "For a North Carolina intrastate household move, compare the Commission’s $50,000 cargo minimum with the valuation you elect." canonical: "https://spot.insure/coverage/cargo-transit/north-carolina" 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/north-carolina) # Cargo Insurance in North Carolina For a household-goods move within North Carolina, the Utilities Commission requires the mover to carry at least $50,000 of cargo insurance, but says the valuation you choose governs how a loss or damage claim is settled. The Commission’s rules exclude interstate, international, office, and other commercial moves from this household-mover program, so use the correct authority and policy for the route and type of goods.[^1][^2] **Coverage:** [Cargo and transit](/coverage/cargo-transit) · [North Carolina](/coverage/states/north-carolina) ## 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). ## North Carolina Requirements | Requirement | Details | | --- | --- | | Intrastate household-mover cargo insurance | At least $50,000 under the Commission’s Moving 101 consumer guide; the mover may carry more, and the guide says customers may request a certificate of insurance after booking.[^1] | ## What to Watch for in North Carolina ### Compare the $50,000 Floor With Your Load The Commission says a customer whose shipment is worth more than the required $50,000 may request written verification of additional coverage. Treat the filing minimum as a carrier requirement, not your shipment’s declared or replacement value.[^1] ### Record the Valuation You Choose The Commission says cargo insurance and settlement valuation are different questions. Your selected valuation governs both catastrophic loss and item-level claims; enter the same option on the bill of lading and its addendum before the move begins.[^1][^2] ### Identify Where Carrier Responsibility Ends The Commission’s guide says liability ends when goods are placed in a customer-controlled storage unit, and storage over 180 days is outside its tariff jurisdiction. If a route includes storage, identify the warehouse and who insures goods during that period.[^1] ## Who Regulates Insurance in North Carolina **North Carolina Department of Insurance.** The North Carolina Department of Insurance administers insurance laws, licenses insurance producers and companies, reviews insurance filings and handles consumer complaints. The Commissioner is elected statewide.[^3][^4][^5][^6] - [Regulator website](https://www.ncdoi.gov/) - [License lookup](https://www.ncdoi.gov/licensees/insurance-producer-and-adjuster-licensing) - [File a complaint](https://www.ncdoi.gov/assistance-or-file-complaint) - Phone: 855-408-1212 ### Surplus-Lines Tax and Stamping Office **Reported tax rate:** 5% of gross premium, less return premium, plus 0.4% NC Stamping Office fee for ordinary filed placements When North Carolina is the insured’s home state, surplus-lines tax is 5% of gross premium less return premium; ordinary broker-placed filings also carry a 0.4% stamping fee, while risk-purchasing-group and independent-procurement filings follow separate procedures. A diligent search is generally required; an exempt commercial purchaser may bypass it only after the broker discloses the admitted-market protection difference and receives the purchaser’s subsequent written request. The policy warns that the state guaranty or solvency fund will not pay surplus-lines losses.[^7][^8][^9][^10] [North Carolina Surplus Lines Association / NC Stamping Office](https://www.ncsla.com/) ## 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 North Carolina; [check the regulator’s license lookup](https://www.ncdoi.gov/licensees/insurance-producer-and-adjuster-licensing) 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.[^13] ## Questions to Ask Before You Buy in North Carolina 1. What is the carrier’s cargo limit for this shipment, and can I see written evidence above $50,000 if my maximum load value is higher? 2. Which valuation option will govern my claim, and do the bill of lading and addendum show the same election? 3. If goods will be held in storage, who has custody and what policy covers the goods between delivery and the next transport leg? ## Cargo And Transit in North Carolina: FAQ ### What cargo insurance minimum does North Carolina list for intrastate household movers? The Utilities Commission’s consumer guide lists a $50,000 minimum and says a customer with a higher-valued shipment may request written verification of additional coverage.[^1] ### Does the mover’s cargo policy alone decide how an item-loss claim is settled? The Commission says the valuation selected by the customer controls settlement for catastrophic loss and individual damaged or lost items. The selection must appear consistently on the bill of lading and addendum.[^1] ## 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) - [Nebraska](/coverage/cargo-transit/nebraska) - [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 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 North Carolina](/coverage/states/north-carolina) ## Sources [^1]: [Moving 101: A Consumer Guide](https://www.ncuc.gov/industries/transportation/movingguide.html) — North Carolina Utilities Commission; Intrastate scope and exceptions; cargo insurance; valuation choices; customer storage; claims. Accessed 2026-09-28. [^2]: [Maximum Rate Tariff No. 1 for Household Goods Carriers](https://www.ncuc.gov/industries/documents/maxrate.pdf) — North Carolina Utilities Commission; Rules governing intrastate household-goods moves, loss and damage, tariff and valuation forms. Accessed 2026-09-28. [^3]: [North Carolina Department of Insurance](https://www.ncdoi.gov/) — North Carolina Department of Insurance; Official department homepage.. Accessed 2026-09-28. [^4]: [Insurance Producer and Adjuster Licensing](https://www.ncdoi.gov/licensees/insurance-producer-and-adjuster-licensing) — North Carolina Department of Insurance; Official licensing landing page provides license status lookup, producer licensing and SBS resources.. Accessed 2026-09-28. [^5]: [File a Complaint](https://www.ncdoi.gov/assistance-or-file-complaint) — North Carolina Department of Insurance; Official insurance complaint form and consumer assistance page; toll-free line 855-408-1212.. Accessed 2026-09-28. [^6]: [Commissioner of Insurance](https://www.ncdoi.gov/about-doi/leadership/mike-causey) — North Carolina Department of Insurance; Official commissioner biography says officeholder was elected statewide.. Accessed 2026-09-28. [^7]: [N.C. Gen. Stat. §58-21-85](https://www.ncleg.gov/EnactedLegislation/Statutes/HTML/BySection/Chapter_58/GS_58-21-85.html) — North Carolina General Assembly; 5% tax on gross premiums less returns when insured’s home state is North Carolina; treatment of reciprocal allocation also provided.. Accessed 2026-09-28. [^8]: [Surplus Lines](https://www.ncdoi.gov/insurance-industry/form-and-rate-filings/property-and-casualty-pc/surplus-lines) — North Carolina Department of Insurance; Current DOI surplus-lines page identifies NC Stamping Office; states a 0.4% fee for ordinary new/renewal filings; excludes RRG and independent procurement.. Accessed 2026-09-28. [^9]: [N.C. Gen. Stat. §58-21-16](https://www.ncleg.gov/EnactedLegislation/Statutes/PDF/BySection/Chapter_58/GS_58-21-16.pdf) — North Carolina General Assembly; ECP diligent-search waiver requires broker disclosure that admitted insurance may provide greater protection and purchaser subsequent written request; ECP definition appears in subsection (b).. Accessed 2026-09-28. [^10]: [Surplus Lines](https://www.ncdoi.gov/insurance-industry/form-and-rate-filings/property-and-casualty-pc/surplus-lines) — North Carolina Department of Insurance; Required surplus-lines policy language says state guaranty or solvency fund will not pay losses on policy.. Accessed 2026-09-28. [^11]: [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. [^12]: [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. [^13]: [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. [^14]: [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. [^15]: [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. [^16]: [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. [^17]: [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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