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Cargo insurance for Tennessee shipments

For Tennessee intrastate authority, the state requires insurers to submit Form H for general freight, household goods, and mobile homes, alongside the separate Form E liability filing. That carrier-security requirement is not a valuation of your goods: compare the cargo terms with your shipment value and distinguish it from federal interstate requirements. 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.

Tennessee Requirements

RequirementDetails
Tennessee intrastate cargo filingFor-hire intrastate-authority applicants hauling general freight, household goods, or mobile homes must provide Form H, the Uniform Motor Carrier Cargo Certificate of Insurance, furnished by the insurer. 1,2
Separate liability filingForm E is the separate Uniform Motor Carrier Bodily Injury and Property Damage Liability Certificate; a carrier's Form E filing alone does not satisfy the listed Form H cargo filing. 1,2

What to Watch for in Tennessee

  • The listed cargo filing reaches ordinary general freight

    Tennessee names general freight as well as household goods and mobile homes for Form H. If your freight is ordinary commercial inventory, ask the carrier for its Form H status rather than assuming the cargo filing is limited to household movers. 1,2

  • Keep Form E and Form H separate in the evidence packet

    The state lists Form E for bodily-injury/property-damage liability and Form H for cargo. Request both where the operation requires them, and confirm which cargo limit responds to your goods; a vehicle-liability certificate alone answers a different question. 1

  • Intrastate authority does not settle interstate filings

    Tennessee's page describes authority for transportation within the state. If a route crosses state lines, identify the federal authority and filings too; federal cargo-filing categories differ from Tennessee's stated intrastate Form H list. 1,4,3

Who Regulates Insurance in Tennessee

Tennessee Department of Commerce and Insurance

TDCI regulates and licenses insurance companies, agents, brokers, surplus-lines agents, and public adjusters. Its complaint process accepts complaints about agents or companies when the policy was written in Tennessee, and its property/casualty unit reviews filed policy rates, rules, and forms. 5,6,7

Surplus-lines tax and stamping office

Reported tax rate: 5% of gross premium plus 0.175% SLAS transaction fee For Tennessee-home-state surplus-lines policies, TDCI lists a 5% tax on gross premium and a 0.175% SLAS transaction fee on gross premium; the agent receives an invoice and pays both through SLIP. The sources reviewed do not establish that the fee is always separately charged to the policyholder or resolve guaranty-association treatment, so ask your broker to itemize charges and review the policy notice. 8,9

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 Tennessee. 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. 12

Questions to Ask Before You Buy in Tennessee

  1. Is this movement wholly within Tennessee, or will the goods cross a state line?
  2. Has the carrier's insurer filed both the required Form E liability and Form H cargo certificate for this authority?
  3. What is the cargo limit for my goods on one vehicle and across multiple shippers or vehicles?

Cargo And Transit in Tennessee: FAQ

Does Tennessee's Form H list include general freight? 1

Yes. The Department of Revenue lists general freight, household goods, and mobile homes for Form H under intrastate authority. Ask the carrier to confirm that the filing is active for the correct legal entity. 1

Does federal cargo filing replace Tennessee's Form H? 1,3

The Tennessee requirement concerns its intrastate authority. Federal filings are a separate regime tied to interstate operating-authority category; confirm both if the carrier performs both kinds of work. 1,3

Cargo And Transit in Other States

Other Coverage in Tennessee

Sources

  1. Intrastate Authority. Tennessee Department of Revenue; New applicant insurance filings; Form H scope for general freight, household goods, and mobile homes, lines 8–28. Accessed 2026-09-28.
  2. Motor Carrier Education Guide. Tennessee Department of Revenue; Intrastate Authority, Form E/Form H, page 34; Form H applies to general freight, household goods, and mobile homes. Accessed 2026-09-28.
  3. Insurance Filing Requirements. Federal Motor Carrier Safety Administration; Interstate filing chart: nonhazardous property carriers show $0 cargo filing; household-goods carriers show $5,000; last updated 2026-03-26, lines 147–170. Accessed 2026-09-28.
  4. Who is required to carry cargo insurance? Federal Motor Carrier Safety Administration; Answer: household-goods carriers and household-goods freight forwarders are required to carry cargo insurance; last updated 2023-05-26, lines 93–102. Accessed 2026-09-28.
  5. tennessee insurance regulator. State insurance regulator; TDCI official insurance-division and consumer pages describe department scope, review units and complaint role. Accessed 2026-09-28.
  6. TDCI Agent/Producer Resources. State insurance regulator; Agent Licensing Section licenses producers, business entities, surplus-lines agents, brokers, and public adjusters; page links to Verify License. Accessed 2026-09-28.
  7. File an Insurance Complaint. State insurance regulator; TDCI accepts online complaints about insurers and agents only for policies written in Tennessee; third-party claimants are directed to call. Accessed 2026-09-28.
  8. Surplus Lines Filing Procedures. Tennessee Department of Commerce and Insurance; Tax Payments section: 5% gross premium plus .175% of gross premium SLAS transaction fee; agents receive quarterly invoices and pay via ACH in SLIP. Accessed 2026-09-28.
  9. Tennessee Public Chapter 446 (2011), T.C.A. §56-14-113. Tennessee Secretary of State; Current tax framework enacted in §56-14-113: 5% applies when Tennessee is the insured’s home state; tax collected from insured in addition to premium. Read with current TDCI filing-procedure page for current fee and SLIP handling. 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. 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.
  15. 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.
  16. 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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