--- title: "Indiana trucking insurance: identify when state authority applies" description: "Indiana separates general for-hire and hazardous-material insurance filings from its Certificate of Public Convenience and Necessity for household-goods and passenger carriers." canonical: "https://spot.insure/coverage/trucking/indiana" 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/indiana) # Indiana trucking insurance: identify when state authority applies For an intrastate for-hire carrier or a carrier hauling hazardous materials, Indiana DOR says an insurer must file Form E with Motor Carrier Services; interstate carriers with federal authority also have federal filings. Indiana’s state operating authority is specifically for passenger and household-goods carriers: after approval, those applicants have 60 days to submit insurer-filed Form E and a tariff before operating. This is a filing distinction, not a promise that the policy covers the loads.[^1][^2] **Coverage:** [Trucking](/coverage/trucking) · [Indiana](/coverage/states/indiana) ## 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). ## Indiana Requirements | Requirement | Details | | --- | --- | | Form E filing | DOR says intrastate for-hire carriers and carriers hauling hazardous materials need an Indiana Form E on file. An insurer files the state form. For an interstate for-hire carrier with an MC number, DOR separately identifies BMC-90 or BMC-91X federal filing; passenger and household-goods interstate carriers need state and federal evidence.[^1] | | Household-goods authority is a defined state class | Carriers transporting household goods or passengers for hire between Indiana points need a state certificate. After approval they have 60 days to file Form E and a tariff; both are required before the authority is issued. This requirement is not stated as a CPCC for every property hauler.[^2] | | Application is not authority to haul | Indiana DOR says household-goods/passenger applicants are not authorized to transport during the 30–60 day application review and may not begin after approval until required filings are received and the certificate is granted.[^2] | ## What to Watch for in Indiana ### Do not confuse ordinary freight with household goods Indiana’s CPCC page covers household goods and passengers. A general property carrier should not assume the same state certificate applies solely because it is for hire; separately determine intrastate registration and federal authority based on route, cargo and operation.[^2][^1] ### Crossing a state line changes filing questions DOR says for-hire property or passenger carriers that leave Indiana need an FMCSA MC number. It describes different Indiana and federal insurance proof filings for intrastate versus interstate operation. Confirm the insurer has filed each required form for the actual route and carrier authority.[^1] ### A required liability filing is not freight protection The agency forms concern financial-responsibility proof and do not establish cargo-in-transit or truck physical-damage coverage. Compare shipment values, commodities and custody/transit stages against the issued cargo policy and its exclusions.[^1][^2] ## Who Regulates Insurance in Indiana **Indiana Department of Insurance.** The Indiana Department of Insurance licenses and regulates insurance companies and producers, reviews rates and policies, and investigates consumer complaints. Its Consumer Services Division accepts complaints and the Department provides company and license searches.[^3][^4][^5] - [Regulator website](https://www.in.gov/idoi/) - [License lookup](https://www.in.gov/idoi/companyentity-financial-compliance/) - [File a complaint](https://www.in.gov/idoi/consumer-services/complaints/submit-a-complaint-online/) - Phone: (800) 622-4461 ### Surplus-Lines Tax and Stamping Office **Reported tax rate:** 2.5% of gross premium when Indiana is the home state Indiana’s surplus-lines premium tax is 2.5% when Indiana is the insured’s home state. Surplus-lines policies are outside Indiana guaranty-fund protection; before you buy, confirm the insurer’s identity and financial strength with your broker.[^6][^7][^8][^9] ## 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://www.in.gov/idoi/companyentity-financial-compliance/) and confirm availability with a provider when requesting a quote. ## Questions to Ask Before You Buy in Indiana 1. Are my loads household goods or general property, and which Indiana authority or registration applies? 2. Will the carrier stay inside Indiana, cross a state line, or transport placarded hazardous materials, and which state/federal filings does each operation need? 3. Which separate cargo and physical-damage terms address freight in custody and the carrier’s own scheduled trucks? ## Trucking in Indiana: FAQ ### Does every Indiana for-hire truck need a household-goods certificate? DOR’s CPCC guidance is for carriers transporting passengers or household goods for hire between Indiana points. Its FAQ separately says intrastate for-hire or hazardous-material carriers need an Indiana Form E. Determine your actual operation before applying the household-goods rule to general freight.[^2][^1] ### Does Indiana Form E guarantee policy coverage? No. Form E is a required financial-responsibility filing. It does not establish cargo or physical-damage protection or expand the policy. Review the policy and endorsements with the broker.[^1] ## 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) - [Illinois](/coverage/trucking/illinois) - [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 Indiana](/coverage/states/indiana) ## Sources [^1]: [Motor Carrier Services Frequently Asked Questions](https://secure.in.gov/dor/motor-carrier-services/frequently-asked-questions-motor-carrier-services/) — Indiana Department of Revenue, Motor Carrier Services; Questions on intrastate carrier ID, cross-state MC number, and Indiana Form E/BMC filing; current page opened 2026-09-28. Accessed 2026-09-28. [^2]: [Intrastate Operating Authority: Passengers & Household Goods](https://www.in.gov/dor/motor-carrier-services/usdot-and-ucr/indiana-intrastate-passenger-and-household-good-authority/) — Indiana Department of Revenue, Motor Carrier Services; Authority scope, post-approval filing deadline and household-goods references; current page opened 2026-09-28. Accessed 2026-09-28. [^3]: [Indiana Department of Insurance](https://www.in.gov/idoi/) — Indiana Department of Insurance; Official regulator homepage and insurance oversight. Accessed 2026-09-28. [^4]: [Company/Entity Financial Compliance](https://www.in.gov/idoi/companyentity-financial-compliance/) — Indiana Department of Insurance; Official Company Lookup queries live department data on licensed entities; producer resources linked separately. Accessed 2026-09-28. [^5]: [Submit a Complaint Online](https://www.in.gov/idoi/consumer-services/complaints/submit-a-complaint-online/) — Indiana Department of Insurance; Online complaint portal and published consumer phone. Accessed 2026-09-28. [^6]: [Indiana Code § 27-1-15.8-4: Tax on surplus lines insurance](https://iga.in.gov/laws/2025/ic/titles/27#27-1-15.8-4) — Indiana General Assembly; 2.5% tax and insured home-state application. Accessed 2026-09-28. [^7]: [Surplus Lines Agent Licensing](https://www.in.gov/idoi/licensing/resident-licensing/surplus-lines-agent-licensing/) — Indiana Department of Insurance; Official IDOI surplus-lines agent and company guidance; identifies surplus-lines insurers as companies not licensed to transact admitted insurance in Indiana and statutory eligibility conditions. Accessed 2026-09-28. [^8]: [Guaranty Associations & Funds](https://content.naic.org/cipr-topics/guaranty-associationsfunds) — National Association of Insurance Commissioners; Overview of state guaranty-association scope and nonadmitted insurers. Accessed 2026-09-28. [^9]: [Guaranty Funds](https://www.in.gov/idoi/consumer-services/types-of-insurance/guaranty-funds/) — Indiana Department of Insurance; Department description of Indiana P&C and life/health guaranty funds and their limits; together with the Department's surplus-lines company page distinguishing these nonauthorized companies from licensed insurers. Accessed 2026-09-28. [^10]: [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. [^11]: [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. [^12]: [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. [^13]: [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. [^14]: [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. [^15]: [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. [^16]: [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. [^17]: [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/indiana.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)