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Cargo insurance for West Virginia shipments

West Virginia's PSC rules separate cargo liability from bodily-injury and property-damage security. For nonhazardous freight, cargo minimums are $20,000 per vehicle below 10,000 pounds GVWR and $50,000 per vehicle/$100,000 aggregate at or above that threshold, subject to named commodity exceptions. 1

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.

West Virginia Requirements

RequirementDetails
Nonhazardous freight cargo limitsPSC Rule 150-9-3.3 lists $20,000 per vehicle and $20,000 aggregate below 10,000 pounds GVWR; at or above 10,000 pounds it lists $50,000 per vehicle and $100,000 aggregate for one or more vehicles at one time/place. 1
For-hire annual insurance registrationUnless a stated exception applies, a for-hire motor carrier must file an annual insurance registration, pay the annual fee, file evidence of insurance or financial responsibility, and receive PSC approval. 1

What to Watch for in West Virginia

  • Do not treat auto liability as cargo security

    PSC Rule 150-9-3.2 expressly excludes cargo from its bodily-injury/property-loss liability table and sets cargo limits separately in Rule 3.3. Request evidence of the cargo security as well as vehicle-liability proof. 1

  • Check both the per-vehicle cap and the one-time aggregate

    At 10,000 pounds GVWR or more, West Virginia lists $50,000 per vehicle but $100,000 total aggregate for loss involving one or more vehicles at one time or place. A multi-truck incident or several shippers' loads can reach the aggregate before any single vehicle limit. 1

  • Confirm whether a commodity exception applies to the actual load

    The rule's cargo minimums do not apply to vehicles transporting raw coal or only solid waste/other discarded property being taken to disposal. Do not generalize that exception to other coal products, salvageable goods, or a mixed cargo load. 1

  • Apply state and federal cargo rules to the right operation

    The PSC rule reaches intrastate and interstate operations only to the extent state and federal law permit. FMCSA separately lists a $0 cargo filing for nonhazardous for-hire property carriers; confirm which authority applies and do not read a filing minimum as a goods-policy limit. 1,2

Who Regulates Insurance in West Virginia

West Virginia Offices of the Insurance Commissioner

The West Virginia Offices of the Insurance Commissioner administers West Virginia insurance laws, oversees insurers and insurance producers within its authority, and provides regulatory and consumer resources. You can use the department's complaint process to raise an insurance issue and its licensing resources to check insurance professionals. 3,4,5

Surplus-lines tax and stamping office

Reported tax rate: 4% of premium plus 0.55% surcharge The NAIC's state chart lists a 4% of premium plus 0.55% surcharge charge for surplus-lines coverage for West Virginia (the chart's state entries were reviewed in October 2025). Your broker may collect the applicable amount with the premium. Surplus-lines insurers are not licensed in the state and generally are outside state guaranty-association protection; ask your broker to explain the insurer's financial protections and any diligent-search requirement that applies to your placement. 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 West Virginia. 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 West Virginia

  1. What GVWR applies to each truck, and what are the cargo limit per vehicle and aggregate for one incident?
  2. Does the carrier's PSC filing classify this shipment as nonhazardous freight, hazardous property, or an excepted commodity?
  3. Has the carrier received current PSC approval for its annual insurance filing, or is it relying on an approved self-insurance arrangement?

Cargo And Transit in West Virginia: FAQ

Does West Virginia count cargo inside the carrier's property-damage limit? 1

No. PSC Rule 150-9-3.2 expressly excludes cargo from its motor-vehicle property-damage table; Rule 3.3 sets separate cargo limits. Ask for evidence of the cargo filing. 1

Are all coal shipments exempt from West Virginia cargo limits? 1

The rule names vehicles transporting raw coal and vehicles carrying only solid waste or discarded property to disposal. It does not state a general exception for all coal or mixed salvageable cargo. 1

Cargo And Transit in Other States

Other Coverage in West Virginia

Sources

  1. 150 CSR 9: Motor-carrier insurance rules. Public Service Commission of West Virginia; Scope/exemptions and §§150-9-3.2–3.6 cargo/auto limits, commodity exceptions, and annual filing; effective 2022-01-13. Accessed 2026-09-28.
  2. 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.
  3. West Virginia Offices of the Insurance Commissioner. West Virginia Offices of the Insurance Commissioner; Official regulator website; insurance oversight and consumer/professional resources. Accessed 2026-09-28.
  4. Insurance Department Directory. National Association of Insurance Commissioners; West Virginia Offices of the Insurance Commissioner entry; official contact and website listing. Accessed 2026-09-28.
  5. Surplus Lines Insurance Premium Taxes. National Association of Insurance Commissioners; WV row; state surplus-lines premium-tax rate reviewed October 2025. Accessed 2026-09-28.
  6. Guaranty Associations & Funds. National Association of Insurance Commissioners; Coverage of claims from insolvencies of insurers licensed in a state; surplus-lines insurers are nonadmitted. Accessed 2026-09-28.
  7. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  8. 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.
  9. 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.
  10. 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.
  11. 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.
  12. 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.
  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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