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Trucking Insurance in Colorado

Colorado defines a PUC Property Carrier as a business moving other people's property for compensation between points in Colorado. The PUC rule requires motor-carrier vehicle liability coverage or a surety bond, but its published numeric schedule names passenger carriers, household-goods movers, and towing carriers; ask the Commission which filing and limit applies to your Property Carrier authority. 1,2

What Is Trucking?

Trucking coverage can address liability, damage to your trucks and cargo losses, but one quote may not include all three. If you haul goods for customers or yourself, compare those protections and check whether the quote needs motor-carrier or other commercial auto coverage. Read the national Trucking guide.

Colorado Requirements

RequirementDetails
PUC Property Carrier categoryFor compensation, transport property of others between Colorado points 1
Motor-vehicle financial responsibilityCommercial vehicle liability coverage or surety bond; combined single limit under 4 CCR 723-6 rule 6008 2
Household-goods mover cargo filingFor movers: $10,000 per vehicle or $0.60 per pound per article, whichever is greater; Form H or J 2

What to Watch for in Colorado

  • Name The PUC Carrier Class Before Quoting

    Colorado's PUC distinguishes a Property Carrier transporting others' goods for compensation from a household-goods mover and a towing carrier. Rule 6008 lists numeric liability minima for movers, towing, and passenger carriers but does not show a separate numeric line labeled Property Carrier; have the PUC and agent confirm the authority class, filed form, and minimum before binding. 1,2

  • Keep The Mover Cargo Schedule In Its Class

    The rule requires every mover to maintain cargo liability and file Form H or J; it sets at least $10,000 per motor vehicle or $0.60 per pound per article, whichever is greater. That schedule applies to household-goods movers, not automatically to a general property carrier, and it is a legal-liability filing rather than proof that every cargo loss is covered. 2,1

  • Match Filed Proof To Commission Records

    Rule 6008 requires insurance forms to show the motor carrier's exact legal name, trade name, and address as they appear in Commission records. Reconcile the named insured and address with the PUC record before the insurer files proof. 2

  • Replace Coverage Before A Cancellation Takes Effect

    For certificates or bonds filed under the rule, cancellation generally requires 30 days' advance written notice to the Commission; the Commission can summarily suspend affected authority from the coverage-cancellation date if no replacement proof is on file. Ask the agent to coordinate replacement filing before a policy ends. 2

Who Regulates Insurance in Colorado

Colorado Division of Insurance

The Division administers Colorado insurance laws and regulates insurers and insurance producers. You can search producer licenses through Colorado’s official DORA lookup and send insurance complaints to the Division. 3,4,5

Surplus-lines tax and stamping office

Reported tax rate: 3% of net premium When Colorado is the insured’s home state, its surplus-lines tax is 3% of taxable premium. The Colorado Surplus Lines Association says insurer or broker fees charged in connection with the placement are included in the tax base; federal or other-state taxes and examination fees are excluded. For multistate risks, a tax-sharing agreement may allocate premium tax to other states. 6,8,7

Providers With Documented State Licenses

No provider in Spot’s research documents both a state license record and this coverage line. This does not establish that providers are unlicensed. Check the regulator’s license lookup and confirm availability with a provider when requesting a quote.

Questions to Ask Before You Buy in Colorado

  1. Does the PUC classify our hauling as Property Carrier authority, common/contract carrier, household-goods mover, or another class?
  2. Which liability limit and proof form does the Commission require for that exact authority, given rule 6008's class-specific schedule?
  3. Is our cargo operation legally a household-goods mover or towing carrier for the rule's separate cargo filing, or do we need cargo protection beyond a liability filing?
  4. Will the certificate show our PUC record's exact legal name, trade name, and address, and will the insurer notify the Commission before cancellation?

Trucking in Colorado: FAQ

What insurance does a Colorado Property Carrier need? 1,2

Colorado's PUC rule requires motor-carrier commercial vehicle liability coverage or a surety bond, but the numeric schedule identifies separate passenger, mover, and towing categories. Ask the PUC to confirm the filed limit and form for the precise Property Carrier permit class. 1,2

Does Colorado require cargo insurance for household movers? 2

Yes. A mover must maintain cargo liability coverage and file Form H or J; the minimum is $10,000 per vehicle or $0.60 per pound per article, whichever is greater. 2

Trucking in Other States

Other Coverage in Colorado

Sources

  1. Public Utilities Commission — Type of Permit. Colorado Department of Regulatory Agencies, Public Utilities Commission; Property Carrier; distinction from Household Goods and Towing Carrier; current permit information page. Accessed 2026-09-28.
  2. 4 CCR 723-6, Rules Regulating Transportation by Motor Vehicle. Colorado Public Utilities Commission; Rule 6008(a)–(j), financial responsibility, filings, cargo, exact-name requirement and cancellation; official PUC-hosted rule compilation. Accessed 2026-09-28.
  3. Colorado Division of Insurance. Colorado Department of Regulatory Agencies; Official insurance regulator homepage; DOI oversight and consumer resources. Accessed 2026-09-28.
  4. DORA Online Services. Colorado Department of Regulatory Agencies; Official DORA online services portal; select Online License Verification and insurance profession. Accessed 2026-09-28.
  5. File a Complaint. Colorado Division of Insurance; Official form and instructions for insurance complaints. Accessed 2026-09-28.
  6. HB23-1111: Unauthorized Insurance Premium Tax Rate. Colorado General Assembly; Enacted bill harmonizes unauthorized insurance tax rate at 3%, effective January 1, 2024; parity with surplus-lines rate. Accessed 2026-09-28.
  7. Frequently Asked Questions. Surplus Lines Association of Colorado; FAQ: Colorado home-state tax; fee charged by insurer or broker in connection with placement included in premium base; qualifying federal/other-state taxes and examination fees excluded; commercial exempt policyholder due-diligence exception. Accessed 2026-09-28.
  8. Colorado Revised Statutes, Title 10 (2024). Colorado General Assembly, Office of Legislative Legal Services; C.R.S. § 10-5-111.5, surplus-lines premium tax and home-state application. Accessed 2026-09-28.
  9. 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. 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. 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. 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. 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. Risklytics; What we do; Who we insure; Licensing; Agency licenses table dated 2026-09-10. Accessed 2026-09-16.
  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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