--- title: "Cargo insurance for Texas shipments" description: "Texas requires intrastate motor-carrier registration and active insurance filings, but its cargo filing applies specifically to household-goods carriers." canonical: "https://spot.insure/coverage/cargo-transit/texas" 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/texas) # Cargo insurance for Texas shipments Texas distinguishes ordinary motor-carrier liability filings from cargo filings for household-goods carriers. Household movers face stated minimums of $5,000 per vehicle for total cargo and $10,000 for aggregate cargo from multiple shippers; these regulatory minimums may be far below a shipment's value.[^1][^2] **Coverage:** [Cargo and transit](/coverage/cargo-transit) · [Texas](/coverage/states/texas) ## 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). ## Texas Requirements | Requirement | Details | | --- | --- | | Texas intrastate authority | Motor carriers operating covered commercial vehicles only within Texas need TxDMV intrastate operating authority; interstate FMCSA authority does not substitute, and a carrier doing both needs both.[^2] | | Household-goods cargo filing | TxDMV lists $5,000 for loss or damage to total cargo on one motor vehicle and $10,000 for aggregate loss or damage to multiple shippers' cargo on that vehicle for household-goods carriers.[^1] | ## What to Watch for in Texas ### Do not extend the household-goods cargo rule to every freight load TxDMV identifies Form H and I cargo filings for household-goods movers. Its general intrastate filing rule is proof of insurance or financial responsibility; check the actual filing category for non-household freight rather than treating the mover-specific cargo rule as universal.[^1][^2] ### The household-goods minimum is not a shipment-value target The listed $5,000 per-vehicle and $10,000 aggregate minimums can be much lower than a high-value move. Ask for the policy limit and valuation terms, then arrange additional cargo protection if your own goods value is higher.[^1] ### A policy purchase does not activate Texas authority by itself TxDMV says the insurer must electronically file the required form and the carrier must keep the TxMCCS insurance record active. Check the carrier's current authority and filing before dispatch, especially during an insurer change.[^1][^2] ## Who Regulates Insurance in Texas **Texas Department of Insurance.** TDI licenses agents and insurers, reviews company rate filings, and investigates complaints against insurance companies and people it regulates. Its complaint page states limits on what it can resolve, including disputes outside its regulatory authority.[^3][^4][^5] - [Regulator website](https://www.tdi.texas.gov/) - [License lookup](https://www.tdi.texas.gov/agent/agent-lookup.html) - [File a complaint](https://www.tdi.texas.gov/consumer/complaint-home.html) ### Surplus-Lines Tax and Stamping Office **Reported tax rate:** 4.85% of gross premium plus 0.04% SLTX stamping fee When Texas is the insured’s home state, the state tax is 4.85% of gross premium; absent a compact allocation agreement, a multistate policy can be taxed on its entire premium. Policies effective on or after Jan. 1, 2024 also carry a 0.04% stamping fee; SLTX invoices the broker and says the insured pays it, and the surplus-lines insurer is not covered by the Texas guaranty association.[^6][^7][^8] [Surplus Lines Stamping Office of Texas](https://www.sltx.org/) ## 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 Texas; [check the regulator’s license lookup](https://www.tdi.texas.gov/agent/agent-lookup.html) 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.[^11] ## Questions to Ask Before You Buy in Texas 1. Is the carrier staying in Texas or crossing state lines, and does it hold the matching TxDMV or FMCSA authority? 2. Is this legally a household-goods move, and what Form H/I cargo limit is filed for the vehicle? 3. Does the filed cargo limit cover the shipment's full value, including goods from multiple shippers on one truck? ## Cargo And Transit in Texas: FAQ ### What cargo minimum does Texas list for household-goods carriers? TxDMV lists $5,000 for total cargo on any one motor vehicle and $10,000 for aggregate loss involving multiple shippers' cargo on that vehicle. Compare the actual policy with your shipment values; the filing minimum is not a coverage recommendation.[^1] ### Does a USDOT number let a carrier haul only within Texas? TxDMV says a USDOT number is an identifier, not operating authority. Intrastate Texas work requires a TxDMV certificate; interstate work requires federal authority, and a carrier doing both needs both.[^2] ## 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 Carolina](/coverage/cargo-transit/north-carolina) - [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) - [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 Texas](/coverage/states/texas) ## Sources [^1]: [TxDMV Number](https://www.txdmv.gov/motor-carriers/txdmv-number) — Texas Department of Motor Vehicles; Intrastate registration and insurance; household-goods cargo minimums and continuous filing, lines 242–375. Accessed 2026-09-28. [^2]: [Becoming a Texas Motor Carrier (Intrastate)](https://www.txdmv.gov/motor-carriers/how-to-be-a-motor-carrier) — Texas Department of Motor Vehicles; Intrastate versus interstate authority and insurance filings, lines 249–285. Accessed 2026-09-28. [^3]: [texas insurance regulator](https://www.tdi.texas.gov/) — State insurance regulator; TDI regulator page outlines licensing, financial oversight, compliance/enforcement, and rate review.. Accessed 2026-09-28. [^4]: [How to Find a Licensed Insurance Agent or Adjuster](https://www.tdi.texas.gov/agent/agent-lookup.html) — State insurance regulator; TDI says search by agent name or license number and links to the state license search.. Accessed 2026-09-28. [^5]: [Get Help with an Insurance Complaint](https://www.tdi.texas.gov/consumer/complaint-home.html) — State insurance regulator; Direct complaint page explains covered entities, exclusions and online filing; Help Line 800-252-3439.. Accessed 2026-09-28. [^6]: [Texas Insurance Code §§225.002–225.004](https://statutes.capitol.texas.gov/Docs/IN/pdf/IN.225.pdf) — Texas Legislature; §225.002 limits chapter to Texas-home-state insured; §225.004(a) 4.85%; (a-1) NRRA home-state limitation; (c) entire premium where Texas is home state and no compact agreement.. Accessed 2026-09-28. [^7]: [Stamping Fees & Taxes](https://www.sltx.org/brokers/billing-information/stamping-fees-taxes/) — Surplus Lines Stamping Office of Texas; Current policy-date table lists 0.04% for inception 1/1/2024 and after; stamping fee invoices go to brokers; site says fee is paid by insured.. Accessed 2026-09-28. [^8]: [Texas Surplus Lines Companies](https://www.tdi.texas.gov/insurer/surpluslines.html) — Texas Department of Insurance; TDI says surplus-lines insurers are not licensed in Texas and its guaranty association member; eligibility/disclaimer and broker financial-responsibility details.. Accessed 2026-09-28. [^9]: [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. [^10]: [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. [^11]: [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. [^12]: [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. [^13]: [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. [^14]: [About Risklytics](https://www.risklytics.ai/about/) — Risklytics; What we do; Who we insure; Licensing; Agency licenses table dated 2026-09-10. Accessed 2026-09-16. [^15]: [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. [^16]: [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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