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Trucking Insurance in Minnesota

For-hire property carriers hauling in Minnesota must have their insurer file Form E before providing transportation; MnDOT lists $100,000/$300,000 bodily-injury limits and $50,000 for damage to others' property, excluding cargo. Household-goods movers also need a separate $50,000 cargo filing, so match both filings to the permit and the work you actually do. 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.

Minnesota Requirements

RequirementDetails
For-hire property carrier liability filing$100,000 one person / $300,000 one accident / $50,000 property damage other than cargo; Form E filed before transportation 1
Household-goods cargo filing$50,000 cargo insurance or cargo bond, filed with the commissioner under the mover's full permit name 2

What to Watch for in Minnesota

  • File Form E Before the First Load

    MnDOT says your insurer must file Form E before a for-hire property carrier begins transportation, and you cannot operate until you receive a Certificate of Registration. Ask your broker to confirm both filing acceptance and registration status before dispatching a Minnesota-only route. 1

  • Keep Cargo Outside the Liability Schedule

    MnDOT's $50,000 property-damage amount expressly excludes cargo; it is not a cargo limit. If you move household goods, Minnesota separately requires $50,000 of cargo insurance or a cargo bond, so have the proposal show that protection and its valuation terms apart from Form E liability. 1,2

  • Match the Household Mover Permit Name

    Minnesota requires the household-goods cargo certificate or bond to use the full and correct name of the permit holder whose operations are insured. Check the legal entity on the mover permit against the policy and cargo filing, especially before a renewal or entity change. 2

  • Classify the Hauling Operation

    MnDOT treats for-hire property carriers other than household-goods movers under its property-carrier registration process, while the statute gives household movers a distinct cargo-filing rule. Tell the broker whether you haul customer freight, household goods, or only your own business property so the right state process is addressed. 1,2

Who Regulates Insurance in Minnesota

Minnesota Department of Commerce

The Minnesota Department of Commerce regulates insurance companies and producers, reviews rates and forms, and investigates 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: 3% of taxable gross premiums less return premiums, plus a 0.04% stamping fee on taxable premium when Minnesota is the insured's home state When Minnesota is the insured's home state, 3% tax applies to taxable gross premiums less return premiums; the separate 0.04% stamping fee on taxable premium is paid by you to the broker. Minnesota requires a policy warning that insolvency loss payment by a nonadmitted insurer is not guaranteed. A diligent search generally applies unless a Minnesota-licensed producer unaffiliated with the surplus-lines broker refers the risk, which the statute deems unavailable from a licensed insurer; an exempt commercial purchaser also has a separate written-request route after the required admitted-market disclosure. 6,9,7,8,10

Minnesota Surplus Lines Association

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 Minnesota

  1. Has MnDOT accepted our Form E and issued the Certificate of Registration before our first Minnesota haul?
  2. Does our $50,000 property-damage filing exclude cargo, and what separate cargo limit and valuation basis apply to the goods we carry?
  3. If we move household goods, is the $50,000 cargo certificate or bond filed under the exact name on our permit?
  4. Does MnDOT classify our work as for-hire property carriage, household-goods moving, or private carriage?

Trucking in Minnesota: FAQ

What insurance filing does a Minnesota for-hire property carrier need? 1

Form E must be filed by the insurer before transportation begins. MnDOT lists $100,000 for one injured person, $300,000 for all people in an accident, and $50,000 for property damage other than cargo. 1

Does Minnesota require cargo insurance for household movers? 2

Yes. A household-goods mover must maintain and file $50,000 of cargo insurance or a cargo bond under the full and correct name of the permit holder. 2

Trucking in Other States

Other Coverage in Minnesota

Sources

  1. Motor Carriers of Property. Minnesota Department of Transportation; Steps to obtaining a certificate of registration; Form E and required limits; Private motor carriers. Accessed 2026-09-29.
  2. Minnesota Statutes § 221.141, Insurance or Bond. Minnesota Revisor of Statutes; Subdivision 1(a), motor-carrier filing and cargo exclusion; subdivision 4, household-goods cargo insurance or bond. Accessed 2026-09-29.
  3. Insurance. Insurance; Insurance regulator and consumer resources. Accessed 2026-09-28.
  4. Insurance License Lookup. Insurance; State-designated producer/company search. Accessed 2026-09-28.
  5. File an Insurance Complaint. Insurance; Insurance complaint topic; filing portal, complaints line, email contact. Accessed 2026-09-28.
  6. Minn. Stat. §297I.05. Minnesota Revisor of Statutes; 3% on gross premiums less return premiums when Minnesota is insured's home state; 100% taxable in Minnesota. Accessed 2026-09-28.
  7. Instructions for 2026 Semiannual Stamping Fee Report. Minnesota Surplus Lines Association; 2026 report p.1, lines 82–94: stamping fee rate .0004 (0.04%) of policy premium for transactions effective on or after October 1, 2016; current report linked from the association's 2026 site. Accessed 2026-09-28.
  8. Minn. Stat. §60A.207. Minnesota Revisor of Statutes; 2025 text, lines 250–255: policy notice states insurer is not otherwise licensed in Minnesota and insolvency loss payment is not guaranteed. Accessed 2026-09-28.
  9. Minn. Stat. §297I.01. Minnesota Revisor of Statutes; Definition of gross premiums for nonadmitted insurance includes fees, assessments and other consideration, with stamping fee and operating assessment exclusions. Accessed 2026-09-28.
  10. Minnesota Statutes 2025, §60A.201. Minnesota Revisor of Statutes; 2025 Minn. Stat. §60A.201 subd.1 (admitted-market restriction); subd.5 (ECP disclosure and subsequent written request); subd.6 (risk referred by unaffiliated Minnesota-licensed producer deemed unavailable). Amendments listed through 2025. Accessed 2026-09-28.
  11. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  12. 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.
  13. 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.
  14. 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.
  15. 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.
  16. 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.
  17. 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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