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Trucking Insurance in Michigan

Michigan requires intrastate for-hire carriers to obtain State Police CVED authority before operating on public roads, with a Certificate of Liability and Form E among the application documents. Household-goods carriers also submit Form H, and several intrastate carrier classes renew annually; match the filings and renewal calendar to your actual work. 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.

Michigan Requirements

RequirementDetails
Michigan intrastate for-hire authorityObtain CVED Authority before operating on a Michigan public roadway; application requires a Certificate of Liability and Form E 1,2
Household-goods cargo filingForm H from the insurer, in addition to general application documents 1
Workers’ compensation evidenceProof of workers’ compensation insurance or an approved exclusion form for applicable applicants 1,2

What to Watch for in Michigan

  • Get CVED Authority Before In-State Hauls

    Michigan State Police says intrastate for-hire carriers need CVED Authority before driving on any Michigan public roadway. Ask when the authority will be issued and confirm the Form E and liability certificate are accepted before dispatching an intrastate load. 1

  • Add Form H for Household Moves

    Michigan's application checklist calls for Form H from the insurer for household-goods carriers, beyond the general liability certificate and Form E. If you move household goods as well as freight, identify both services so the cargo filing is not left off the state application. 1

  • Calendar the CVED Renewal Window

    Intrastate-only carriers and household-goods carriers must renew CVED Authority annually. Michigan State Police gives an October 1–December 1 renewal period and says failure to renew by January 1 results in revocation, so assign someone to track renewal and insurance filings before year end. 1

  • Keep Workers’ Compensation Evidence With the Filing

    Michigan's CVED application lists workers’ compensation proof or an approved exclusion form for intrastate-only carriers, and the Motor Carrier Act requires evidence of compliance in specified application or lapse situations. Ask the broker and payroll contact to coordinate the exact evidence submitted with your authority application. 1,2

Who Regulates Insurance in Michigan

Michigan Department of Insurance and Financial Services

The Michigan Department of Insurance and Financial Services licenses agents, agencies and companies, supervises insurance business, and helps resolve complaints. 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: 2.5% combined surplus-lines tax and regulatory fee on premium when Michigan is the insured's home state Michigan's Property and Casualty Guaranty Association is funded by insurers authorized to transact in the state; an insurer procured solely under Chapter 19 is expressly not considered authorized for that chapter. The surplus-lines policy must carry a notice that the insurer is not Michigan-licensed and insolvency claim payment may not be guaranteed. 6,7,8

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 Michigan

  1. Does our operation need Michigan CVED Authority before its first in-state for-hire trip?
  2. Will the insurer send Form E and a liability certificate under the applicant's exact business name?
  3. Do our household-goods services require a separate Form H cargo filing?
  4. Who will track annual CVED renewal and provide current workers’ compensation evidence or an approved exclusion?

Trucking in Michigan: FAQ

Do Michigan intrastate trucking companies need state authority? 1,2

Yes, if they are for-hire carriers operating within Michigan. Michigan State Police says they must obtain CVED Authority before using a public roadway in the state. 1,2

What extra insurance filing do Michigan household-goods carriers need? 1

The CVED application checklist requires Form H from the insurer in addition to the general authority documents, including a liability certificate and Form E. 1

Trucking in Other States

Other Coverage in Michigan

Sources

  1. Regulatory & Credentialing Section. Michigan State Police, Commercial Vehicle Enforcement Division; Intrastate Operating Authority; application documents for intrastate and household-goods carriers; annual renewal. Accessed 2026-09-29.
  2. Michigan Motor Carrier Act, 1933 PA 254. Michigan Legislature; MCL 479.9(1)–(3), insurance or bond requirements and workers’ compensation compliance. Accessed 2026-09-29.
  3. Department of Insurance and Financial Services. Department of Insurance and Financial Services; Official regulator and insurance oversight. Accessed 2026-09-28.
  4. Insurance License Lookup. Department of Insurance and Financial Services; State-designated producer/company search. Accessed 2026-09-28.
  5. File an Insurance Complaint. Department of Insurance and Financial Services; State complaint process and contact. Accessed 2026-09-28.
  6. Surplus Lines Licensee: Filing the Surplus Lines Taxes. Michigan Department of Insurance and Financial Services; DIFS current filing page: Michigan-home-state placements taxed at 2.5% combined tax and regulatory fee; separate fees charged to insured are not included in premium tax base. Accessed 2026-09-28.
  7. Michigan Insurance Code, Chapter 500. Michigan Legislature; MCL 500.7911(1)-(2), 500.7921(b): association membership tied to insurer authorized to transact; insurer procured solely under Chapter 19 is expressly not authorized for guaranty chapter. Accessed 2026-09-28.
  8. Michigan Insurance Code, Chapter 500. Michigan Legislature; MCL 500.1922 requires policy notice that insurer is not Michigan-licensed and insolvency claim payment may not be guaranteed. 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. 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.
  15. 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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