Get Started

Trucking Insurance in Pennsylvania

Pennsylvania common and contract property carriers need at least $300,000 per accident for vehicles at or below 10,000 pounds GVWR or GCWR and $750,000 above 10,000 pounds; the state separately lists $5,000 for cargo loss or damage. Have the insurer send the PUC Form E and any required Form H directly, then compare the state weight tier with the federal limit for your operation. 1,2,3

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.

Pennsylvania Requirements

RequirementDetails
Property-carrier liability$300,000 per accident at or below 10,000 lb GVWR/GCWR; $750,000 above 10,000 lb 1,2
Cargo loss or damage$5,000 1,2

What to Watch for in Pennsylvania

  • Use Pennsylvania’s 10,000-Pound Cutoff

    Pennsylvania’s PUC lists $300,000 per accident for a property vehicle at or below 10,000 pounds GVWR or GCWR and $750,000 for a common or contract carrier above that threshold. Check the manufacturer rating for each power unit and combination before choosing a tier. 1,2

  • Have The Insurer Send Form E And Form H

    Pennsylvania identifies Form E for bodily-injury and property-damage liability and Form H for cargo, and says the forms must come directly from the insurance company. Ask the agent to confirm the PUC has received each required filing; a declaration page or binder is only temporary proof. 1

  • Treat The Cargo Minimum As A Filing Floor

    The PUC lists $5,000 for loss or damage to cargo carried on a motor vehicle. Ask whether that filing amount is enough for your freight and what cargo policy limit, exclusions, and deductibles apply to shipments above it. 1,2

  • Compare Pennsylvania And Federal Limits

    Pennsylvania’s state property-carrier tiers use 10,000 pounds, while FMCSA’s federal chart uses a 10,001-pound threshold for its standard nonhazardous for-hire property category. For interstate trips, have the broker document which filing and limit governs instead of assuming the state and federal thresholds line up. 1,3

Who Regulates Insurance in Pennsylvania

Pennsylvania Insurance Department

The Pennsylvania Insurance Department publishes state tools to check licensed producers, agencies, and insurers, and its Consumer Services Online portal accepts complaints about insurers, agents, brokers, and public adjusters. The department also oversees Pennsylvania insurance business and consumer services. 4,5,6

Surplus-lines tax and stamping office

Reported tax rate: 3% of gross premium (2% for eligible surplus-lines risk retention groups) Pennsylvania charges 3% of gross surplus-lines premiums (2% for an eligible surplus-lines risk-retention group); the tax is in addition to premium, is borne by the insured, and is collected by the producer. For multistate risks, the 2025 Revenue instructions say all gross premiums are taxable when Pennsylvania is the home state, while Insurance Company Law §1621(d) says tax is levied only on premium reasonably ascribable to Pennsylvania risk; confirm allocation with your producer or the state. Surplus-lines coverage is excluded from the guaranty association, and qualifying large risks or exempt commercial purchasers may use distinct no-search routes, with the ECP route requiring disclosure and written request. 7,8,9,10

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 Pennsylvania

  1. What are each truck and combination’s manufacturer GVWR or GCWR, and does Pennsylvania set the $300,000 or $750,000 tier?
  2. Will our insurer send the required Form E and Form H directly to the PUC, and has the agency received them?
  3. Does our interstate work require a federal filing above the Pennsylvania minimum for the vehicle and freight category?
  4. What cargo limit covers the value of loads beyond the PUC’s $5,000 minimum?

Trucking in Pennsylvania: FAQ

What liability limit does Pennsylvania require for a property carrier? 1,2

Pennsylvania lists $300,000 per accident for a vehicle or combination rated at 10,000 pounds or less and $750,000 above 10,000 pounds for common or contract carrier service. 1,2

How much cargo insurance must a Pennsylvania truck carry? 1

The PUC lists $5,000 for cargo loss or damage on a motor vehicle. Ask for a higher cargo limit if your freight value exceeds the state minimum. 1

Trucking in Other States

Other Coverage in Pennsylvania

Sources

  1. Motor Carrier Insurance: Financial Responsibility of Carriers. Pennsylvania Public Utility Commission; Forms and Bonds; Property Carriers, Bodily Injury and Cargo minimum limits. Accessed 2026-09-29.
  2. 52 Pa. Code Chapter 32: Motor Carrier Safety. Pennsylvania Public Utility Commission; §§ 32.11(d) and 32.13(a): property-carrier liability and cargo requirements. Accessed 2026-09-29.
  3. Insurance Filing Requirements. Federal Motor Carrier Safety Administration; Motor Carrier of Property chart: nonhazardous liability filing threshold. Accessed 2026-09-29.
  4. pennsylvania insurance regulator. State insurance regulator; PID official agency page and the search/consumer-help service map. Accessed 2026-09-28.
  5. Pennsylvania Insurance Industry Search Tool Library. State insurance regulator; PID identifies consumer Sircon and detailed individual, business-entity, and company search tools. Accessed 2026-09-28.
  6. File a Complaint with Your Insurance Company, Agent, Broker, or Public Adjuster. State insurance regulator; PID directs insurance complaints and questions to its Consumer Services Online portal. Accessed 2026-09-28.
  7. RCT-123 Gross Premiums Tax - Surplus Lines Agents (2025). Pennsylvania Department of Revenue; Instructions p. 4, imposition/base/rate: 3% on gross premiums; insured bears tax, producer collects/remits; RRG exception 2% per statute. Accessed 2026-09-28.
  8. Insurance Company Law, §1621. Pennsylvania General Assembly; Subsection (d): multi-state tax is levied only on premium reasonably ascribable to Pennsylvania risk. This differs from the 2025 RCT-123 instructions, which state all gross premiums taxable if PA is home state; see source tax. Accessed 2026-09-28.
  9. Insurance Department Act, surplus-lines notice provision. Pennsylvania General Assembly; Policy legend: insurer is not licensed and surplus-lines insurance is NOT covered by Pennsylvania Insurance Guaranty Association. Accessed 2026-09-28.
  10. Pennsylvania Insurance Company Law §§1604 and 1610 (40 P.S. §§991.1604, 991.1610). Pennsylvania General Assembly; Act 28 of 2011 §1610(a), (a.1): large-risk criteria and ECP disclosure followed by written request exempt from diligent-search requirements. 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.

Get Help With Insurance Buying and Renewals.

Get help buying coverage and managing renewals, with less paperwork for your team. Start with a free consultation.

Talk to Spot