--- title: "Commercial Auto Insurance in Washington" description: "Washington UTC common carriers use filed limits by GVWR, and household-goods permits carry separate cargo limits." canonical: "https://spot.insure/coverage/commercial-auto/washington" 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/commercial-auto/washington) # Commercial Auto Insurance in Washington Washington UTC-regulated common carriers file liability by GVWR: $300,000 for vehicles under 10,000 pounds and $750,000 at 10,000 pounds or more for nonhazardous property. Household-goods carriers need a separate cargo filing of $10,000 below 10,000 pounds GVWR or $20,000 at or above 10,000 pounds; these carrier rules replace the ordinary mandatory-insurance chapter for covered UTC carriers.[^3][^5][^1] **Coverage:** [Commercial auto](/coverage/commercial-auto) · [Washington](/coverage/states/washington) ## What Is Commercial Auto? Commercial auto suits businesses that use vehicles for work and need liability protection; damage to your own vehicles is a separate coverage choice. If employees drive personal or rented cars, check how those trips are handled. [Read the national Commercial auto guide](/coverage/commercial-auto). ## Washington Requirements | Requirement | Details | | --- | --- | | Registered vehicles outside the UTC common/contract-carrier exception | $25,000 one person / $50,000 two or more / $10,000 property damage, or an authorized security alternative[^1][^2] | | UTC common-carrier property liability filing | Nonhazardous property: $300,000 below 10,000 lb GVWR / $750,000 at 10,000 lb GVWR or more; listed hazardous materials have higher schedules[^3] | | Household-goods permit cargo insurance | $10,000 below 10,000 lb GVWR / $20,000 at 10,000 lb GVWR or more[^5] | ## What to Watch for in Washington ### Use The UTC Carrier Filing Instead Of The General Proof Rule Washington’s mandatory-insurance chapter expressly excludes vehicles governed by RCW 46.16A.170 or registered with UTC as common or contract carriers. A UTC carrier should match the vehicle and authority class to its WAC filing schedule rather than treating the ordinary $25,000/$50,000/$10,000 rule as its complete filing requirement.[^1][^3] ### Keep The Form E Or Form G Filing Continuous Common carriers must file Form E, Form G, or a binder of no more than 60 days; the insurer must file Form K at least 30 days before cancellation or expiration. Replacement proof is due at least 10 days before the current policy ends, so schedule renewal before the certificate lapses.[^3] ### Identify The Commodity And Tank Or Bulk Configuration Washington’s $1 million and $5 million common-carrier filings depend on the listed hazardous materials and how they are carried; the rule separates tank or hopper capacity and bulk categories. Give the insurer the exact commodity, packaging, and vehicle configuration before it selects the filing amount.[^3] ### A 10,000-Pound Vehicle Sits In Different Cargo And Liability Tiers For a household-goods permit, exactly 10,000 pounds GVWR is in the $750,000 liability tier and the $20,000 cargo tier; below 10,000 pounds, the figures are $300,000 and $10,000. Check manufacturer GVWR rather than rounding the unit down from its registration label.[^4][^5] ## Who Regulates Insurance in Washington **Washington State Office of the Insurance Commissioner.** The Washington State Office of the Insurance Commissioner administers Washington 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.[^6][^7][^8] - [Regulator website](https://www.insurance.wa.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:** 2% of premium The NAIC's state chart lists a 2% of premium charge for surplus-lines coverage for Washington (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.[^9][^10] ## Providers With Documented State Licenses These providers publish a national listing for Commercial auto; 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 Washington; [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.[^13] - [TechInsurance](/insurance-providers/techinsurance) — **Entity:** Specialty Program Group LLC; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** TechInsurance’s current licensing page names Specialty Program Group LLC / SPG Insurance Solutions and lists state license numbers, but labels Rhode Island “Individual licenses” rather than identifying a license for the named agency. RI is omitted because this disclosure does not establish agency authority there; this is a search limitation, not an assertion that the company is unlicensed. The remaining state entries are company-reported and are not an insurance product availability map.[^17] ## Questions to Ask Before You Buy in Washington 1. Is each Washington unit a UTC common carrier, household-goods carrier, or another registered vehicle for purposes of its filing? 2. Does the insurer have a continuous Form E or Form G on file, and when will it submit the Form K and replacement filing? 3. For household goods, is the unit exactly 10,000 pounds GVWR or more, and does the separate Form H show the matching cargo limit? 4. For a hazardous-material vehicle, which listed commodity and packaging category did the insurer use to set the UTC filing? ## Commercial Auto in Washington: FAQ ### Do Washington UTC common carriers use the ordinary 25/50/10 minimums? No. RCW 46.30.020 excludes registered UTC common and contract carriers from that chapter, and WAC 480-14-250 sets separate liability filing amounts by GVWR and operation.[^1][^3] ### How much cargo insurance does a Washington household-goods carrier file? $10,000 for household goods in vehicles below 10,000 pounds GVWR and $20,000 for vehicles at or above 10,000 pounds; proof is due with the permit application and kept at the carrier’s main office.[^5] ## Commercial Auto in Other States - [Alabama](/coverage/commercial-auto/alabama) - [Alaska](/coverage/commercial-auto/alaska) - [Arizona](/coverage/commercial-auto/arizona) - [Arkansas](/coverage/commercial-auto/arkansas) - [California](/coverage/commercial-auto/california) - [Colorado](/coverage/commercial-auto/colorado) - [Connecticut](/coverage/commercial-auto/connecticut) - [Delaware](/coverage/commercial-auto/delaware) - [District of Columbia](/coverage/commercial-auto/district-of-columbia) - [Florida](/coverage/commercial-auto/florida) - [Georgia](/coverage/commercial-auto/georgia) - [Hawaii](/coverage/commercial-auto/hawaii) - [Idaho](/coverage/commercial-auto/idaho) - [Illinois](/coverage/commercial-auto/illinois) - [Indiana](/coverage/commercial-auto/indiana) - [Iowa](/coverage/commercial-auto/iowa) - [Kansas](/coverage/commercial-auto/kansas) - [Kentucky](/coverage/commercial-auto/kentucky) - [Louisiana](/coverage/commercial-auto/louisiana) - [Maine](/coverage/commercial-auto/maine) - [Maryland](/coverage/commercial-auto/maryland) - [Massachusetts](/coverage/commercial-auto/massachusetts) - [Michigan](/coverage/commercial-auto/michigan) - [Minnesota](/coverage/commercial-auto/minnesota) - [Mississippi](/coverage/commercial-auto/mississippi) - [Missouri](/coverage/commercial-auto/missouri) - [Montana](/coverage/commercial-auto/montana) - [Nebraska](/coverage/commercial-auto/nebraska) - [Nevada](/coverage/commercial-auto/nevada) - [New Hampshire](/coverage/commercial-auto/new-hampshire) - [New Jersey](/coverage/commercial-auto/new-jersey) - [New Mexico](/coverage/commercial-auto/new-mexico) - [New York](/coverage/commercial-auto/new-york) - [North Carolina](/coverage/commercial-auto/north-carolina) - [North Dakota](/coverage/commercial-auto/north-dakota) - [Ohio](/coverage/commercial-auto/ohio) - [Oklahoma](/coverage/commercial-auto/oklahoma) - [Oregon](/coverage/commercial-auto/oregon) - [Pennsylvania](/coverage/commercial-auto/pennsylvania) - [Rhode Island](/coverage/commercial-auto/rhode-island) - [South Carolina](/coverage/commercial-auto/south-carolina) - [South Dakota](/coverage/commercial-auto/south-dakota) - [Tennessee](/coverage/commercial-auto/tennessee) - [Texas](/coverage/commercial-auto/texas) - [Utah](/coverage/commercial-auto/utah) - [Vermont](/coverage/commercial-auto/vermont) - [Virginia](/coverage/commercial-auto/virginia) - [West Virginia](/coverage/commercial-auto/west-virginia) - [Wisconsin](/coverage/commercial-auto/wisconsin) - [Wyoming](/coverage/commercial-auto/wyoming) [Other Coverage in Washington](/coverage/states/washington) ## Sources [^1]: [RCW 46.30.020, Liability Insurance or Other Financial Responsibility Required](https://app.leg.wa.gov/rcw/default.aspx?cite=46.30.020) — Washington State Legislature; Subsections (1)(a)–(b), general registered-vehicle limits via RCW 46.29.090; subsection (3)(a), exclusion for vehicles registered with UTC as common or contract carriers; current RCW text includes 2025 c.332. Accessed 2026-09-28. [^2]: [RCW 46.29.090, Requirements as to Policy or Bond](https://app.leg.wa.gov/rcw/default.aspx?cite=46.29.090) — Washington State Legislature; Subsection (1), $25,000/$50,000/$10,000 policy or bond amounts; section is the general proof amount referenced by RCW 46.30.020. Accessed 2026-09-28. [^3]: [WAC 480-14-250, Insurance Requirements](https://app.leg.wa.gov/wac/default.aspx?cite=480-14-250) — Washington Utilities and Transportation Commission; Subsection (1), common-carrier GVWR/hazardous-material schedule and Form E/G; subsection (2), continuation filing 10 days before termination; subsection (4), cancellation/Form K 30-day notice and 60-day binder maximum; current WAC page. Accessed 2026-09-28. [^4]: [WAC 480-15-530, Public Liability and Property Damage Insurance](https://app.leg.wa.gov/wac/default.aspx?cite=480-15-530) — Washington Utilities and Transportation Commission; Subsections (1)–(3), household-goods permit liability, 10,000-pound GVWR schedule, Form E/G and continuous filing; amendment filed July 13, 2023, effective August 13, 2023. Accessed 2026-09-28. [^5]: [WAC 480-15-550, Cargo Insurance](https://app.leg.wa.gov/wac/default.aspx?cite=480-15-550) — Washington Utilities and Transportation Commission; Subsections (1)–(4), household-goods cargo limits, Form H or certificate due with permit application, proof retained at main office; current section history traces 2013 amendment effective Dec. 16, 2013. Accessed 2026-09-28. [^6]: [Washington State Office of the Insurance Commissioner](https://www.insurance.wa.gov/) — Washington State Office of the Insurance Commissioner; Official regulator website; insurance oversight and consumer/professional resources. Accessed 2026-09-28. [^7]: [Insurance Department Directory](https://content.naic.org/sites/default/files/publication-ins-ou-insurance-directory.pdf) — National Association of Insurance Commissioners; Washington State Office of the Insurance Commissioner entry; official contact and website listing. Accessed 2026-09-28. [^8]: [Licensing Center](https://nipr.com/licensing-center) — National Insurance Producer Registry; State producer licensing and lookup resources. Accessed 2026-09-28. [^9]: [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; WA row; state surplus-lines premium-tax rate reviewed October 2025. Accessed 2026-09-28. [^10]: [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. [^11]: [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. [^12]: [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. [^13]: [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. [^14]: [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. [^15]: [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. [^16]: [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. [^17]: [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. [^18]: [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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