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Louisiana trucking insurance: intrastate household-goods moves

An intrastate Louisiana household-goods mover must obtain an LPSC common-carrier certificate and maintain required insurance, including at least $50,000 motor-truck cargo coverage per truck and $100,000 per catastrophe. The statute also lists workers’ compensation and a separate $5,000 surety bond. Section 45:173 separately requires nonexempt contract carriers using Louisiana highways to file liability insurance or a bond; it carries 1995/1999 amendment history, so do not use its listed amounts without confirming current commission rules and federal applicability. A surety bond is separate from cargo and trucking coverage. 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.

Louisiana Requirements

RequirementDetails
Intrastate HHG operating certificateAll movers transporting household goods between points in Louisiana must apply for and secure an LPSC common-carrier certificate and satisfy the Commission’s requirements before moving household goods. The statute separately exempts HHG movers from the waste-carrier fitness hearing in §45:164(B). 1
Intrastate household-goods cargo minimumLouisiana law requires at least $50,000 motor-truck cargo insurance per truck and $100,000 per catastrophe for intrastate household-goods movers. That state minimum does not establish coverage for every item or loss; compare shipment value and terms. 1
Permanent Louisiana place of businessAny carrier, in-state or out-of-state domiciled, providing intrastate HHG transportation in Louisiana must maintain a permanent establishment: a fixed, non-temporary physical place through which business is carried on and staffed during ordinary business hours. The statute allows an employee or an agent who habitually has authority to conclude transportation contracts in the carrier’s name to operate it. This is an operating condition, not an insurance benefit. 1

What to Watch for in Louisiana

  • Keep the surety bond separate from insurance decisions

    Section 45:164 lists a $5,000 surety bond along with workers’ compensation and cargo insurance for intrastate HHG movers. The bond is a separate compliance instrument; it does not protect the mover’s trucks, general liability exposure or full customer cargo value. 1

  • Do not apply the state HHG rule to every truck route

    The $50,000/$100,000 cargo obligation quoted here is specifically for intrastate household-goods movers. Do not carry it over to an interstate shipment; establish which authority and policy requirements apply to the complete movement. 1

  • Confirm current LPSC liability conditions separately

    Section 45:164 requires HHG movers to maintain LPSC-required insurance but does not give a public-liability amount in that subsection. This guide does not infer an amount from unrelated motor-carrier provisions. Section 45:173 separately addresses nonexempt contract carriers, but its stated dollar minimums have 1995/1999 history and current LPSC rules/federal applicability were not reconciled here. Ask LPSC which current liability schedule and filings govern your authority. 1,2

Who Regulates Insurance in Louisiana

Louisiana Department of Insurance

The Louisiana Department of Insurance licenses producers and insurers, reviews insurance filings, and investigates complaints about insurance companies and agents. You can use its state lookup or complaint service to check a license or raise an insurance issue. 3,4,5

Surplus-lines tax and stamping office

Reported tax rate: 4.85% of gross premium plus a 0.175% SLIP+ transaction fee for policies effective on or after July 1, 2026 For Louisiana-home-state policies effective on or after July 1, 2026, the state charges 4.85% of gross premium plus a 0.175% SLIP+ transaction fee, which your broker may add to your bill. Louisiana's required policy disclosure says these policies are not covered by the Louisiana Insurance Guaranty Association; state placement and filing rules still apply. 6,7

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 Louisiana

  1. Are all shipments household goods moving between Louisiana points, or do routes cross a state line or form part of interstate service?
  2. Does each intrastate truck meet the statutory cargo minimum, and how does that limit compare with actual shipment accumulation?
  3. What LPSC public-liability amount/forms apply to our certificate, and is a surety bond required separately?

Trucking in Louisiana: FAQ

Can the Louisiana HHG surety bond replace trucking or cargo insurance? 1

No. The statute lists the surety bond separately from motor-truck cargo insurance and the Commission’s required insurance. Verify the distinct bond and policy filings for the intrastate HHG certificate. 1

Does the $50,000 per-truck cargo amount apply to all Louisiana freight? 1,2

The cited statute assigns that cargo minimum to intrastate household-goods movers. It should not be generalized to other freight classes or interstate operations. Ask LPSC about your carrier class and review actual policy limits and terms. 1,2

Trucking in Other States

Other Coverage in Louisiana

Sources

  1. Louisiana Revised Statutes §45:164, Common carrier’s certificate; contract carrier’s permit. Louisiana Legislature; §45:164(A)-(E), current codification opened 2026-09-28; HHG provisions (E)(1)-(2). Accessed 2026-09-28.
  2. Louisiana Revised Statutes §45:173, Contract carriers; liability policy or bond required. Louisiana Legislature; §45:173, current codification; historical amendments 1995 and 1999; opened 2026-09-28. Statutory amounts not used as current buyer guidance pending current rule/federal applicability check. Accessed 2026-09-28.
  3. Louisiana Department of Insurance. Louisiana Department of Insurance; Homepage and consumer services. Accessed 2026-09-28.
  4. Insurance License Lookup. Louisiana Department of Insurance; State-designated producer/company search. Accessed 2026-09-28.
  5. File an Insurance Complaint. Louisiana Department of Insurance; State complaint process and contact. Accessed 2026-09-28.
  6. Surplus Lines Premium Tax. Louisiana Department of Insurance; Current tax/transaction fee and July 1, 2026 transition. Accessed 2026-09-28.
  7. La. R.S. 22:433. Louisiana Legislature; Required policy disclosure; no LIGA protection. Accessed 2026-09-28.
  8. 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. 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. 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. 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. 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. 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. 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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