--- title: "Illinois trucking insurance: separate liability from cargo filings" description: "Illinois for-hire property carriers operating within the state need to check Public Carrier Certificate scope and distinct Form E and Form H cargo requirements." canonical: "https://spot.insure/coverage/trucking/illinois" 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/trucking/illinois) # Illinois trucking insurance: separate liability from cargo filings The Illinois Commerce Commission requires a Public Carrier Certificate for intrastate for-hire property hauling other than household goods. The ICC’s cargo affidavit makes a specific narrow exception: a carrier that will not transport freight or drive-away vehicles valued above $5,000 may request a waiver, but must notify each shipper in writing before service. The public-liability and cargo filings are separate; neither establishes broader policy benefits.[^3][^1][^2] **Coverage:** [Trucking](/coverage/trucking) · [Illinois](/coverage/states/illinois) ## 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](/coverage/trucking). ## Illinois Requirements | Requirement | Details | | --- | --- | | Intrastate public-carrier certificate | For-hire transport of property other than household goods over Illinois public roads in intrastate commerce requires an ICC Public Carrier Certificate. Federal authority does not substitute for this specifically intrastate state certificate.[^3] | | Cargo filing and $5,000 threshold | ICC guidance requires insurer-filed Form H for cargo. For ordinary cargo, the ICC schedule lists $5,000 per vehicle and $10,000 aggregate at one time; the CA-1 affidavit says carriers handling any for-hire shipment worth more than $5,000 must file Form H with at least $10,000 coverage. The waiver is only for carriers that do not and will not transport any vehicle cargo valued over $5,000 or perform a for-hire drive-away of a vehicle over that value.[^1][^2] | | Public-liability filing | The ICC’s insurance page requires insurer-filed Form E and uses vehicle GVWR and commodity classifications to set liability amounts. Confirm the full commodity/weight table against your fleet before quoting; the requirement is not a cargo limit.[^1] | ## What to Watch for in Illinois ### A cargo waiver does not remove customer-facing duties The cargo affidavit conditions waiver on written notice to each shipper, before any transportation service, that minimum cargo insurance is not in place. If loads or drive-away vehicles may exceed $5,000, do not assume a waiver remains available.[^2] ### Household goods use a different authority path The ICC Public Carrier Certificate page expressly excludes household goods. Confirm whether the operation is ordinary property freight or a household-goods move before selecting forms; household-goods credentials and rules are separate.[^3][^4] ### Use the actual freight and vehicle table ICC liability amounts vary by GVWR and cargo class, including special hazardous-material tiers. Bring each vehicle’s rated weight and exact commodities to the insurance filing rather than selecting the non-hazardous amount by default. Cargo values and liability classes answer different questions.[^1] ## Who Regulates Insurance in Illinois **Illinois Department of Insurance.** The Department licenses and oversees insurers and insurance producers doing business in Illinois, reviews regulated insurance activity, and investigates complaints about coverage, claims, premiums, and sales.[^5][^7][^6] - [Regulator website](https://idoi.illinois.gov/) - [License lookup](https://idoi.illinois.gov/companies/agent-lookup.html) - [File a complaint](https://idoi.illinois.gov/consumers/file-a-complaint.html) - Phone: (866) 445-5364 ### Surplus-Lines Tax and Stamping Office **Reported tax rate:** 3.5% of taxable premium plus a 0.04% stamping fee; separate 1% fire marshal tax on taxable fire premium When Illinois is the insured’s home state, the broker reports and remits a 3.5% tax on gross taxable surplus-line premium less returned taxable premium. The separate SLAI stamping fee is 0.04% for policies effective on or after January 1, 2023; a 1% fire marshal tax also applies to taxable fire premium.[^9][^8][^12][^13][^10] [Surplus Line Association of Illinois](https://www.slai.org/) **Illinois guaranty fund limits:** For covered claims against a member insurer, the Illinois Insurance Guaranty Fund generally caps its obligation at $500,000 per claim; workers’ compensation claims are excepted from that dollar cap. This fund does not protect policies issued by nonadmitted surplus-lines insurers. The net-worth exclusions apply to covered claims against member insurers.[^10] **Illinois FAIR Plan:** If you cannot obtain basic property coverage in the voluntary market, the Illinois FAIR Plan offers a residual-market option for eligible property. Check its current eligibility and coverage limits before relying on it for a commercial location.[^11] ## 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](https://idoi.illinois.gov/companies/agent-lookup.html) and confirm availability with a provider when requesting a quote. ## Questions to Ask Before You Buy in Illinois 1. Does our operation fit the ICC intrastate Public Carrier Certificate class, or the separate household-goods authority? 2. Will any single load or drive-away vehicle exceed $5,000, and if not, how will we meet the ICC written-notice condition for a cargo waiver? 3. Which Form E liability category applies to each vehicle by GVWR and commodity, and what policy terms actually cover our freight? ## Trucking in Illinois: FAQ ### Does a Form E filing cover cargo? No. ICC materials distinguish Form E liability from Form H cargo. A filed form is evidence for a regulatory requirement; review the issued policy and cargo endorsements for what freight, values, causes of loss and transit stages are covered.[^1] ### When can an Illinois carrier use the cargo waiver affidavit? Only if it does not and will not transport cargo worth more than $5,000 in any vehicle or perform a for-hire drive-away of a vehicle worth more than $5,000. The affidavit also requires written pre-service notice to each shipper that the minimum cargo coverage is absent.[^2] ## Trucking in Other States - [Alabama](/coverage/trucking/alabama) - [Alaska](/coverage/trucking/alaska) - [Arizona](/coverage/trucking/arizona) - [Arkansas](/coverage/trucking/arkansas) - [California](/coverage/trucking/california) - [Colorado](/coverage/trucking/colorado) - [Connecticut](/coverage/trucking/connecticut) - [Delaware](/coverage/trucking/delaware) - [District of Columbia](/coverage/trucking/district-of-columbia) - [Florida](/coverage/trucking/florida) - [Georgia](/coverage/trucking/georgia) - [Hawaii](/coverage/trucking/hawaii) - [Idaho](/coverage/trucking/idaho) - [Indiana](/coverage/trucking/indiana) - [Iowa](/coverage/trucking/iowa) - [Kansas](/coverage/trucking/kansas) - [Kentucky](/coverage/trucking/kentucky) - [Louisiana](/coverage/trucking/louisiana) - [Maine](/coverage/trucking/maine) - [Maryland](/coverage/trucking/maryland) - [Massachusetts](/coverage/trucking/massachusetts) - [Michigan](/coverage/trucking/michigan) - [Minnesota](/coverage/trucking/minnesota) - [Mississippi](/coverage/trucking/mississippi) - [Missouri](/coverage/trucking/missouri) - [Montana](/coverage/trucking/montana) - [Nebraska](/coverage/trucking/nebraska) - [Nevada](/coverage/trucking/nevada) - [New Hampshire](/coverage/trucking/new-hampshire) - [New Jersey](/coverage/trucking/new-jersey) - [New Mexico](/coverage/trucking/new-mexico) - [New York](/coverage/trucking/new-york) - [North Carolina](/coverage/trucking/north-carolina) - [North Dakota](/coverage/trucking/north-dakota) - [Ohio](/coverage/trucking/ohio) - [Oklahoma](/coverage/trucking/oklahoma) - [Oregon](/coverage/trucking/oregon) - [Pennsylvania](/coverage/trucking/pennsylvania) - [Rhode Island](/coverage/trucking/rhode-island) - [South Carolina](/coverage/trucking/south-carolina) - [South Dakota](/coverage/trucking/south-dakota) - [Tennessee](/coverage/trucking/tennessee) - [Texas](/coverage/trucking/texas) - [Utah](/coverage/trucking/utah) - [Vermont](/coverage/trucking/vermont) - [Virginia](/coverage/trucking/virginia) - [Washington](/coverage/trucking/washington) - [West Virginia](/coverage/trucking/west-virginia) - [Wisconsin](/coverage/trucking/wisconsin) - [Wyoming](/coverage/trucking/wyoming) [Other Coverage in Illinois](/coverage/states/illinois) ## Sources [^1]: [Insurance Requirements for Public Carrier Certificate](https://icc.illinois.gov/Forms/Insurance-Public-Carrier) — Illinois Commerce Commission; Current ICC insurance table and waiver conditions, direct official page fetched/read 2026-09-28; browser tool returned 502, direct HTTPS response succeeded. Accessed 2026-09-28. [^2]: [Cargo Affidavit (CA)](https://icc.illinois.gov/downloads/public/mc/CA-1.pdf) — Illinois Commerce Commission; CA form, full operative text read from official PDF 2026-09-28; one-page affidavit. Accessed 2026-09-28. [^3]: [Public Carrier Certificate](https://icc.illinois.gov/authority/public-carrier-certificate) — Illinois Commerce Commission; Current official authority page, scope and current 2026 cab-card materials; direct HTTPS read 2026-09-28. Accessed 2026-09-28. [^4]: [Application for Public Carrier Certificate (PCC-1)](https://icc.illinois.gov/downloads/public/mc/PCC-1.pdf) — Illinois Commerce Commission; Part 2B Cargo and interstate/intrastate sections; official PDF, direct read 2026-09-28 (form revised 2021). Accessed 2026-09-28. [^5]: [Illinois Department of Insurance](https://idoi.illinois.gov/) — Illinois Department of Insurance; Official agency homepage and agency information. Accessed 2026-09-28. [^6]: [File a Complaint](https://idoi.illinois.gov/consumers/file-a-complaint.html) — Illinois Department of Insurance; Official insurance complaint intake and consumer phone. Accessed 2026-09-28. [^7]: [Agent Lookup](https://idoi.illinois.gov/companies/agent-lookup.html) — Illinois Department of Insurance; Department page explains use of Illinois SBS Lookup for agents, brokers, and business entities; Department home provides company license lookup. Accessed 2026-09-28. [^8]: [Calculating & Remitting Taxes: Surplus Line Tax](https://www.slai.org/docs/surplus-line-filing-taxes/remitting-taxes-surplus-line-tax/) — Surplus Line Association of Illinois; Current surplus-line tax applicability and rate. Accessed 2026-09-28. [^9]: [215 ILCS 5/445: Surplus line](https://www.ilga.gov/Documents/legislation/ilcs/documents/021500050K445.htm) — Illinois General Assembly; Subsections (3)(a), (12): tax and code applicability. Accessed 2026-09-28. [^10]: [215 ILCS 5: Illinois Insurance Guaranty Fund](https://www.ilga.gov/legislation/ILCS/details?ActID=1249&ActName=Illinois+Insurance+Code.&ChapAct=215+ILCS+5%2F&Chapter=INSURANCE&ChapterID=22&MajorTopic=REGULATION&Print=True&SeqEnd=165100000&SeqStart=159400000) — Illinois General Assembly; Article XXXIV: cap, net-worth exclusions, exceptions, and non-admitted insurer exclusion. Accessed 2026-09-28. [^11]: [Illinois FAIR Plan Association](https://www.illinoisfairplan.com/) — Illinois FAIR Plan Association; Plan overview and current eligibility information. Accessed 2026-09-28. [^12]: [Stamping Fees: Fee Calculation](https://www.slai.org/docs/surplus-line-filing-taxes/remitting-stamping-fees-fee-calculation/) — Surplus Line Association of Illinois; Current stamping fee 0.04% of premium for policies effective January 1, 2023 or later; may be passed to insured. Accessed 2026-09-28. [^13]: [50 Ill. Adm. Code § 2701.130: Taxes](https://www.ilga.gov/agencies/JCAR/EntirePart?titlepart=05002701) — Illinois Joint Committee on Administrative Rules; Surplus line producer pays 1% fire marshal tax on gross premiums less returned premiums for insurance subject to the Fire Investigation Act. Accessed 2026-09-28. [^14]: [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. [^15]: [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. [^16]: [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. [^17]: [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. [^18]: [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. [^19]: [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. [^20]: [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. [^21]: [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). To suggest a correction, [contact Spot](/contact) with a supporting source. ## Agent and Developer Resources - [Markdown page](https://spot.insure/coverage/trucking/illinois.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)