What Cargo Insurance Requirements Apply in North Dakota?

North Dakota’s common household-goods carrier permit law requires public-liability insurance for property loss caused by the carrier’s negligence, with annual proof to the Department of Transportation. That state operating filing is distinct from a cargo-insurance filing: for-hire household-goods carriers with interstate authority and vehicles of at least 10,001 pounds have a federal cargo-insurance filing requirement, while FMCSA lists $0 cargo insurance for ordinary non-hazardous for-hire property carriers. Check the carrier class, route, and load before relying on either figure.

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.

North Dakota Cargo and Transit Insurance Requirements

Requirement	Details
North Dakota common household-goods carrier permit	NDCC 39-31-14 requires a common motor carrier applying for a household-goods permit to keep public-liability insurance in force for property loss, death, or injury caused by carrier negligence, with proof filed annually. ¹

What to Watch for With Cargo and Transit in North Dakota

Do Not Treat the Permit Filing as a Cargo Valuation
Chapter 39-31 calls the state filing public-liability insurance and ties it to loss or damage resulting from carrier negligence. It does not state a shipment-value limit or establish a first-party policy for goods you own; ask for the actual policy and its covered-property terms. ¹
Federal Cargo Filing Depends on Carrier Class
FMCSA’s current chart lists $5,000 in cargo insurance for for-hire household-goods carriers with GVWR of at least 10,001 pounds, but $0 for ordinary non-hazardous for-hire property carriers. Those are federal operating-filing categories, not a state-permit amount or a recommended limit for your load. ²
Classify the Route and Carrier Before Comparing Evidence
North Dakota Chapter 39-31 applies to common household-goods carriers and limits its reach to intrastate commerce as permitted by federal and state law. Interstate authority and cargo filings follow federal categories; a household-goods permit does not establish coverage for general freight or the particular goods on your truck. ^1,²

Which Cargo and Transit Providers Have North Dakota 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 North Dakota. 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. ¹¹
Corgi lists a cargo contractual liability product in its transportation offering.

Who Regulates Insurance in North Dakota?

North Dakota Insurance Department

The North Dakota Insurance Department regulates insurers and producers, provides licensing and company searches, and investigates insurance complaints to assess compliance with state law and policy terms. ^3,^4,⁵

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint
Phone: 701-328-2440

Surplus-Lines Tax and Stamping Office in North Dakota

Reported tax rate. 1.75% of gross premium, assessments and policy fees, less return premium, when North Dakota is home state ^6,^7,⁸

When North Dakota is the insured’s home state, the 1.75% tax applies to the entire gross premium, assessments, membership and subscriber fees, and policy or service fees on multistate policies, less return premium. North Dakota permits independent procurement only under separate statutory conditions; the policyholder should confirm whether a licensed broker placement or independent procurement applies. Nonadmitted insurers generally do not participate in state guaranty funds.

Questions to Ask Before You Buy Cargo and Transit in North Dakota

Is this shipment under common household-goods authority or general freight authority, and is every transport leg intrastate?
Can I review the state public-liability filing separately from the cargo policy and identify the entity and insurer on each?
What limit, deductible, covered goods, and valuation settlement terms apply to my actual load rather than the carrier’s filing minimum?

Cargo and Transit Insurance in North Dakota: FAQ

What insurance does North Dakota require for a common household-goods carrier permit?

NDCC 39-31-14 requires public-liability insurance for property loss, death, or injury caused by the carrier’s negligence, with annual proof to NDDOT. The section does not give a cargo valuation amount. ¹

Does every interstate property carrier have to file cargo insurance with FMCSA?

No. FMCSA’s filing chart distinguishes carrier classes: it lists cargo insurance for qualifying for-hire household-goods carriers, but $0 for non-hazardous for-hire property carriers. Confirm the carrier’s authority and vehicle class. ²

Sources for Cargo and Transit Insurance in North Dakota

1
North Dakota Century Code, Chapter 39-31: Common Household Goods Carriers. North Dakota Legislative Branch; §§39-31-02, 39-31-04, 39-31-06, and 39-31-14; 2025 code text. Accessed 2026-09-28.
2
Insurance Filing Requirements. Federal Motor Carrier Safety Administration; Insurance Filing Requirements Chart: motor carriers of property; non-hazardous for-hire and household-goods classes. Accessed 2026-09-28.
3
North Dakota Insurance Department. North Dakota Insurance Department; Official department homepage; identifies regulation of insurance and consumer/business assistance. Accessed 2026-09-28.
4
Print License / Search for an Agent. North Dakota Insurance Department; Official licensing page directs the public to current SBS public lookup for agent status, license number, lines and appointments; linked public lookup is up to date. Accessed 2026-09-28.
5
Complaints. North Dakota Insurance Department; Official complaint process; Department reviews compliance with insurance laws and policy coverage; directs online filings to state-specific SBS complaint form. Accessed 2026-09-28.
6
Surplus Lines. North Dakota Insurance Department; Current official page: ND home-state rate 1.75% on total premium including assessments and policy fees for multistate coverage; explains home-state allocation and nonadmitted insurer guaranty status. Accessed 2026-09-28.
7
N.D.C.C. Chapter 26.1-44, Surplus Lines Insurance. North Dakota Legislative Branch; §26.1-44-03.1 sets 1.75% tax base, home-state rule, fee inclusion, return premiums; §§26.1-44-08 and related provisions cover placements. Accessed 2026-09-28.
8
Surplus Lines. North Dakota Insurance Department; Official page states nonadmitted insurers generally do not participate in state-created insurance guaranty funds. Accessed 2026-09-28.
9
Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
10
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.
11
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.
12
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.
13
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.
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.

What Cargo Insurance Requirements Apply in North Dakota?

What Is Cargo and Transit Insurance?

North Dakota Cargo and Transit Insurance Requirements

What to Watch for With Cargo and Transit in North Dakota

Do Not Treat the Permit Filing as a Cargo Valuation

Federal Cargo Filing Depends on Carrier Class

Classify the Route and Carrier Before Comparing Evidence