What Trucking Insurance Requirements Apply in West Virginia?

West Virginia’s Public Service Commission lists $300,000 for nonhazardous freight vehicles at 10,000 pounds GVWR or less and $750,000 for heavier vehicles. Its rules assign intrastate hazardous-property insurance to federal Part 387, so a hazmat carrier should use the federal commodity classification for its filing.

What Is Trucking Insurance?

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.

West Virginia Trucking Insurance Requirements

Requirement	Details
Intrastate nonhazardous freight	$300,000 at 10,000 lb GVWR or less; $750,000 above 10,000 lb ²
Intrastate hazardous freight	Federal Part 387 limits and filings govern ^1,³

What Should You Watch for With Trucking Insurance in West Virginia?

Hazmat and General Freight Use Different Rules
West Virginia Rule 4.3.4 assigns state Rule 3.1 to intrastate nonhazardous property, but federal Part 387 governs intrastate hazardous-property financial responsibility. Identify the commodity class before asking the insurer to file limits. ¹
Use the Commission’s 10,000-Pound Break
The PSC schedule sets $300,000 through 10,000 pounds GVWR and $750,000 above that for nonhazardous freight. Confirm each truck’s rated weight when checking the state filing; a fleetwide assumption can put individual units in the wrong tier. ²
Cargo Proof Is Its Own Requirement
The PSC schedule separately lists cargo coverage for nonhazardous freight. Do not treat a liability filing as proof that freight loss is insured; have the broker verify cargo limits and the commodities covered. ²

Which Trucking Insurance Providers Have West Virginia License Records?

No provider in our research has both a state license record and a listing for 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.

Who Regulates Insurance in West Virginia?

West Virginia Offices of the Insurance Commissioner

The West Virginia Offices of the Insurance Commissioner administers West Virginia insurance laws, oversees insurers and insurance producers within its authority, and provides regulatory and consumer resources. You can use the department's complaint process to raise an insurance issue and its licensing resources to check insurance professionals. ^4,^5,⁶

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint

Surplus-Lines Tax and Stamping Office in West Virginia

Reported tax rate. 4% of premium plus 0.55% surcharge ^7,⁸

The NAIC's state chart lists a 4% of premium plus 0.55% surcharge charge for surplus-lines coverage for West Virginia (the chart's state entries were reviewed in October 2025). Your broker may collect the applicable amount with the premium. Surplus-lines insurers are not licensed in the state and generally are outside state guaranty-association protection; ask your broker to explain the insurer's financial protections and any diligent-search requirement that applies to your placement.

What Should You Ask Before Buying Trucking Insurance in West Virginia?

Is each route intrastate or interstate, and is our freight hazardous under the PSC rule’s federal cross-reference?
Which units fall at or below 10,000 pounds GVWR for the West Virginia nonhazardous schedule?
What cargo evidence does the PSC require for our commodity, apart from liability proof?

Trucking Insurance in West Virginia: Frequently Asked Questions

What are West Virginia’s intrastate trucking limits for nonhazardous freight?

The PSC schedule lists $300,000 for vehicles at or below 10,000 pounds GVWR and $750,000 for heavier vehicles. Intrastate hazardous property is governed by federal Part 387 under the PSC rule. ^2,¹

Does West Virginia set its own insurance limit for intrastate hazardous loads?

The PSC rule says federal Part 387 governs financial-responsibility filings for intrastate hazardous-property transportation. The applicable federal amount depends on the material and operation. ^1,³

Sources for Trucking Insurance in West Virginia

1
Rules Governing Motor Carriers, Title 150, Series 9. West Virginia Public Service Commission; Rules 3.1 and 4.3.4: insurance minimums and state/federal scope. Accessed 2026-09-29.
2
Minimum Insurance Requirements. West Virginia Public Service Commission; Intrastate and interstate freight vehicle table; nonhazardous and hazardous property. Accessed 2026-09-29.
3
Insurance Filing Requirements. Federal Motor Carrier Safety Administration; 49 CFR Part 387 property-carrier limits. Accessed 2026-09-29.
4
West Virginia Offices of the Insurance Commissioner. West Virginia Offices of the Insurance Commissioner; Official regulator website; insurance oversight and consumer/professional resources. Accessed 2026-09-28.
5
Insurance Department Directory. National Association of Insurance Commissioners; West Virginia Offices of the Insurance Commissioner entry; official contact and website listing. Accessed 2026-09-28.
6
Licensing Center. National Insurance Producer Registry; State producer licensing and lookup resources. Accessed 2026-09-28.
7
Surplus Lines Insurance Premium Taxes. National Association of Insurance Commissioners; WV row; state surplus-lines premium-tax rate reviewed October 2025. Accessed 2026-09-28.
8
Guaranty Associations & Funds. National Association of Insurance Commissioners; Coverage of claims from insolvencies of insurers licensed in a state; surplus-lines insurers are nonadmitted. 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.