--- title: "Cargo insurance for Wisconsin shipments" description: "Use Wisconsin's liability thresholds to check the carrier filing; ask separately what cargo policy or claim-funding arrangement protects your shipment." canonical: "https://spot.insure/coverage/cargo-transit/wisconsin" page-type: "coverage-state-guide" updated-at: "2026-09-29" --- 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/wisconsin) # Cargo insurance for Wisconsin shipments For a Wisconsin intrastate for-hire property move, check the carrier's liability filing against WisDOT's weight and commodity rules. MV2843 makes a separate cargo certification; confirm what financial backing applies to your goods.[^1][^2] **Coverage:** [Cargo and transit](/coverage/cargo-transit) · [Wisconsin](/coverage/states/wisconsin) ## 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). ## Wisconsin Requirements | Requirement | Details | | --- | --- | | Intrastate for-hire property liability filing | For intrastate for-hire property carriers, WisDOT says liability proof must be on file before operating. For vehicles not transporting hazardous materials under 49 CFR 172.101, its table sets $300,000 at gross weight 10,000 lb or less and $750,000 above 10,000 lb.[^1] | | Cargo backing certified on MV2843 | MV2843 asks the applicant to certify financial ability to provide cargo insurance or adequate financial resources to pay damage claims.[^2] | ## What to Watch for in Wisconsin ### The posted property thresholds exclude hazardous-material loads WisDOT labels its property-for-hire table for vehicles not transporting hazardous materials under 49 CFR 172.101. If your load includes listed materials, use WisDOT's separate FMCSA-filing guidance to check which filing applies to your vehicle and commodity.[^1] ### An active BMC91X can replace the separate Wisconsin filing MV2843 says an active federal BMC91X under the same legal name can stand in for a separate Form E or scheduled filing. Confirm that the federal filing is active and names the legal applicant.[^2] ### Match the contracting carrier to the authority records MV2843 requires insurance on file and vehicle registration in the legal applicant's name. Before booking, compare that name with the carrier on your transport agreement and cargo documents.[^2] ## Who Regulates Insurance in Wisconsin **Wisconsin Office of the Commissioner of Insurance.** The Wisconsin Office of the Commissioner of Insurance administers Wisconsin 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] - [Regulator website](https://oci.wi.gov/) - [License lookup](https://nipr.com/licensing-center) - [File a complaint](https://content.naic.org/state-insurance-departments) ### Surplus-Lines Tax and Stamping Office **Reported tax rate:** 3% of premium The NAIC's state chart lists a 3% of premium charge for surplus-lines coverage for Wisconsin (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 that the product is available in Wisconsin; [check the regulator’s license lookup](https://nipr.com/licensing-center) 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.[^10] ## Questions to Ask Before You Buy in Wisconsin 1. Does the route stay within Wisconsin, or cross a state line, and which authority covers the move? 2. Does the carrier rely on a cargo policy or its own resources to pay claims, and what terms apply? 3. Do the authority applicant, liability filing, registration, transport agreement and cargo documents identify the same carrier? ## Cargo And Transit in Wisconsin: FAQ ### Do WisDOT's $300,000 and $750,000 amounts set my cargo limit? No. Those amounts are minimum liability insurance for property for-hire vehicles in the stated non-hazardous-material categories. They do not state a cargo-policy limit; request the cargo policy or written claim-funding terms.[^1][^2] ### Can an interstate filing satisfy Wisconsin's intrastate filing requirement? WisDOT says an FMCSA insurance filing for interstate operating authority meets Wisconsin's intrastate filing requirement. Check which active filing applies to the carrier you are hiring.[^1][^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) - [Texas](/coverage/cargo-transit/texas) - [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) - [Wyoming](/coverage/cargo-transit/wyoming) [Other Coverage in Wisconsin](/coverage/states/wisconsin) ## Sources [^1]: [Motor carrier insurance for commercial motor vehicles](https://wisconsindot.gov/Pages/dmv/com-drv-vehs/mtr-car-trkr/mc-ins.aspx) — Wisconsin Department of Transportation; Intrastate scope and filing prerequisites, lines 54–61; non-hazardous-material qualification and property-for-hire gross-weight tiers, lines 65 and 80–83; exact-name and interstate-filing treatment, lines 107–113. Accessed 2026-09-29. [^2]: [Wisconsin Motor Carrier Authority Application (MV2843)](https://wisconsindot.gov/Documents/formdocs/mv2843.pdf) — Wisconsin Department of Transportation; Legal-name instructions, page 1 lines 12–15; liability insurance-on-file and active same-name BMC91X alternative, page 1 lines 23–27; applicant name, page 2 line 63; cargo insurance-or-resources certification, page 2 lines 83–85. Accessed 2026-09-29. [^3]: [Wisconsin Office of the Commissioner of Insurance](https://oci.wi.gov/) — Wisconsin Office of the Commissioner of Insurance; Official regulator website; insurance oversight and consumer/professional resources. Accessed 2026-09-28. [^4]: [Insurance Department Directory](https://content.naic.org/sites/default/files/publication-ins-ou-insurance-directory.pdf) — National Association of Insurance Commissioners; Wisconsin Office of the Commissioner of Insurance entry; official contact and website listing. Accessed 2026-09-28. [^5]: [Licensing Center](https://nipr.com/licensing-center) — National Insurance Producer Registry; State producer licensing and lookup resources. Accessed 2026-09-28. [^6]: [Surplus Lines Insurance Premium Taxes](https://content.naic.org/sites/default/files/model-law-chart-zz-7-surplus-lines-insurance-premium-taxes.pdf) — National Association of Insurance Commissioners; WI row; state surplus-lines premium-tax rate reviewed October 2025. Accessed 2026-09-28. [^7]: [Guaranty Associations & Funds](https://content.naic.org/cipr-topics/guaranty-associationsfunds) — 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. [^8]: [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. [^9]: [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. [^10]: [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. [^11]: [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. [^12]: [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. [^13]: [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. [^14]: [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 2026-09-29. 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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