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Cargo Insurance in Ohio

Ohio requires a for-hire carrier moving household goods within Ohio to maintain at least $5,000 in cargo-liability financial responsibility for goods on one vehicle and $10,000 for losses at one time or place. Ohio defines household goods as personal effects or property used in a dwelling, excluding goods moving exclusively from a factory or store; these minimums therefore do not establish the cargo protection for ordinary commercial stock or equipment. 1,3

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.

Ohio Requirements

RequirementDetails
Intrastate household-goods cargo-liability minimum$5,000 for loss or damage to household goods carried on any one motor vehicle and $10,000 for the aggregate of losses or damages at any one time or place under OAC 4901:2-13-03(B). 1

What to Watch for in Ohio

  • Confirm the Goods Fit Ohio’s Household-Goods Class

    The rule’s cargo minimum is expressly for household goods in intrastate commerce. Ohio’s definition covers personal effects and dwelling property, but excludes shipments exclusively moving from a factory or store; do not apply the household-mover minimum to ordinary business freight. 1,3

  • A Minimum Filing Does Not Set Your Shipment Value

    The $5,000 per-vehicle and $10,000 per-event figures are minimum cargo-liability financial responsibility for the specified household-goods carrier class. Ask for the carrier’s policy limit, deductible, valuation terms, and covered property for the actual shipment. 1,2

  • Keep the Bill of Lading and Claim Dates Together

    For an intrastate household move, Ohio requires an immediate receipt or bill of lading. The consumer must have at least 60 days to file a claim; the carrier must acknowledge within 15 days and respond within 30 days. Preserve the estimate, inventory, and delivery record. 4

Who Regulates Insurance in Ohio

Ohio Department of Insurance

ODI licenses insurance agents and agencies and provides a public agent and company locator. Its consumer complaint form accepts insurance complaints and lets you identify an agent or company. 5,6,7

Surplus-lines tax and stamping office

Reported tax rate: 5% of gross premium, net of return premiums For Ohio-home-state surplus-lines placements, Ohio sets a 5% tax on gross premiums after returned premiums and requires the surplus-lines broker to collect it when the policy is delivered. A diligent search usually applies; a qualifying exempt commercial purchaser may request nonadmitted placement in writing after disclosure that authorized-market coverage may offer greater protection, and the policy requires a signed notice of no Ohio guaranty-association benefits. 8,9,10

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 Ohio. 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 Ohio

  1. Is this shipment legally household goods under Ohio’s definition, or is it commercial stock or equipment?
  2. What policy limit and deductible apply to my shipment, in addition to the state financial-responsibility minimum?
  3. What written reimbursement language will appear on the estimate or bill of lading, and where do I send a claim?

Cargo And Transit in Ohio: FAQ

What cargo-liability minimum applies to an Ohio intrastate household-goods carrier? 1

Ohio requires $5,000 for loss or damage to household goods on any one vehicle and $10,000 for aggregate losses at one time or place. The rule covers the specified for-hire household-goods carrier class. 1

How long do I have to file a household-goods loss claim in Ohio? 4

For an intrastate household-goods move, Ohio gives consumers at least 60 days from the move date to file a claim. The carrier must acknowledge receipt within 15 days and respond within 30 days. 4

Cargo And Transit in Other States

Other Coverage in Ohio

Sources

  1. OAC 4901:2-13-03, Minimum Levels of Financial Responsibility. Ohio Legislative Service Commission; Paragraphs (A)-(B): intrastate public-liability and household-goods cargo-liability minimums. Accessed 2026-09-28.
  2. ORC 4921.09, Proof of Insurance Requirements. Ohio Legislative Service Commission; Divisions (A)-(E): liability and separate household-goods cargo security. Accessed 2026-09-28.
  3. ORC 4921.01, Definitions. Ohio Legislative Service Commission; Household goods and intrastate/interstate commerce definitions. Accessed 2026-09-28.
  4. OAC 4901:2-19-09, Receipt or Bill of Lading. Ohio Legislative Service Commission; Effective July 1, 2023; paragraphs (A)-(F), receipt, claim window, acknowledgment and response. Accessed 2026-09-28.
  5. ohio insurance regulator. State insurance regulator; Official regulator home page and consumer/industry navigation. Accessed 2026-09-28.
  6. Ohio Department of Insurance Agent / Agency Locator. State insurance regulator; Public search fields for agent and agency name, NPN, license number, city, ZIP, residency, and license type. Accessed 2026-09-28.
  7. Ohio Department of Insurance Consumer Complaints Form. State insurance regulator; Online complaint form collects insurer, coverage, agent, issue, and supporting documents; page warns submissions may be public records. Accessed 2026-09-28.
  8. Ohio Revised Code §3905.36. Ohio Laws; Division (B): 5% of gross premiums after return premiums; surplus-lines broker collects from insured at policy delivery. Accessed 2026-09-28.
  9. Ohio Revised Code §3905.38. Ohio Laws; Division A: Chapter 3905 rules do not apply when Ohio is not insured's home state. Accessed 2026-09-28.
  10. Ohio Revised Code §3905.33. Ohio Laws; Divisions (B)(1), (B)(4): five-market diligence and ECP disclosure/written request; division (C): signed notice of no Ohio Insurance Guaranty Association benefits. 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.

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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