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Cargo Insurance in Rhode Island

Rhode Island’s active property-carrier rule requires certificated common carriers to file a cargo-insurance certificate or bond, except carriers moving bulk commodities by dump vehicle. A household-goods bill of lading must also attach a “Truth in Coverage” statement offering depreciated actual value or released value capped at 60 cents per pound per article. The filing is operating evidence; the attached election is the document to compare with your shipment’s value. 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.

Rhode Island Requirements

RequirementDetails
Certificated common-carrier cargo filingA certificated common carrier must file a cargo-insurance certificate or bond with the Administrator; the stated filing exception is bulk commodities transported by dump vehicle. 1

What to Watch for in Rhode Island

  • Confirm the Authority Class Behind the Filing

    The cargo-filing clause applies to certificated common carriers and expressly carves out bulk commodities moved by dump vehicle. Identify the carrier’s authority and commodity class before treating this filing rule as applying to your contract carrier or shipment. 1

  • Review the Attached Truth in Coverage Statement

    A household-goods bill of lading must attach the state’s statement with two options: depreciated actual value or released value at no more than 60 cents per pound per article. Make sure the selected option and any extra protection appear in the completed documents. 1

  • Do Not Extend the State Filing Rule to Every Route

    Rhode Island’s motor-carrier division describes its property-carrier jurisdiction as transportation for hire between points within the state. Interstate authority follows a different regulatory track; check the route before relying on a state certificate. 1,2

Who Regulates Insurance in Rhode Island

Rhode Island Department of Business Regulation, Insurance Division

The DBR Insurance Division provides an online public verification service for producers, adjusters, surplus-lines brokers, and other licensees, and accepts insurance complaints online. Contact the Division for help determining whether it has authority over a particular policy or dispute. 3,4,5

Surplus-lines tax and stamping office

Reported tax rate: 4% of net taxable premium; 2018 filing guide excludes listed broker, carrier and inspection fees Rhode Island’s 2024 return applies 4% to net taxable premium (gross premium less returned premium); its 2018 filing guide excludes broker, carrier, and inspection fees from the base. Confirm fee treatment with the Division of Taxation if your bill separates those charges, because no newer official fee-base guidance was located. 6,7

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 Rhode Island. 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. 10

Questions to Ask Before You Buy in Rhode Island

  1. Does the carrier hold certificated common-carrier authority for this route, and is cargo insurance filed under that authority?
  2. Which option is selected on the Truth in Coverage statement, and what shipment value and item limits does it use?
  3. If a carrier leases the truck or uses another carrier, which company is responsible for cargo insurance and claims on each leg?

Cargo And Transit in Rhode Island: FAQ

Which Rhode Island carriers must file cargo insurance evidence under the property-carrier rule? 1

The rule says certificated common carriers must file a cargo-insurance certificate or bond. It exempts carriers transporting bulk commodities by dump vehicle from that filing clause. 1

What two options must Rhode Island household-mover bills of lading offer? 1

The bill of lading must attach a Truth in Coverage statement offering depreciated actual value and released value, with mover liability capped at 60 cents per pound per article under the released-value option. 1

Cargo And Transit in Other States

Other Coverage in Rhode Island

Sources

  1. 815-RICR-50-05-1, Transportation Provided by Motor Carriers of Property. Rhode Island Department of State, Administrative Records Office; Active rule effective Jan. 4, 2022; §§1.11(A)(6)-(7), 1.14(A)-(B), and 1.16.1(A)(5). Accessed 2026-09-28.
  2. Responsibilities and Jurisdiction of the Motor Carriers Division. Rhode Island Division of Public Utilities and Carriers; Intrastate for-hire scope and household-goods oversight. Accessed 2026-09-28.
  3. rhode-island insurance regulator. State insurance regulator; DBR Insurance Division overview links to complaint, license lookup, statutes, and regulations. Accessed 2026-09-28.
  4. DBR License Status Verification. State insurance regulator; Official page identifies online NAIC-partnered status checks for producers, adjusters, motor vehicle appraisers, surplus-lines brokers, and reinsurance intermediaries. Accessed 2026-09-28.
  5. DBR Insurance Consumers. State insurance regulator; Official consumer page explains the division's regulated insurance lines and online complaint route. Accessed 2026-09-28.
  6. 2025 T-71A Surplus Line Broker Return of Gross Premiums. Rhode Island Division of Taxation; 2025 return, p. 1, lines 1–4: net taxable premium is gross premium less returned premiums; 4% tax; filing due April 1, 2026. Accessed 2026-09-28.
  7. Guide to Tax Filings for Surplus Lines. Rhode Island Division of Taxation; 2018 Guide to tax filings, surplus-lines section: gross premium for tax purposes excludes carrier, broker, and inspection fees; no newer official fee-base instruction located as of 2026-09-28. Accessed 2026-09-28.
  8. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  9. 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.
  10. 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.
  11. 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.
  12. 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.
  13. 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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