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What Cargo Insurance Requirements Apply in Indiana?

An Indiana for-hire household-goods mover cannot begin an intrastate move before its operating authority is in place; after approval it has 60 days to file insurer-submitted Form E proof and its tariff. The current IOA-1 separately asks carriers to classify cargo, including household goods, but the application does not describe a shipper’s insurance terms.

What Is Cargo and Transit Insurance?

Cargo coverage fits a shipper protecting goods it owns or a carrier responsible for another party’s goods. The quote needs to match who bears the loss, the shipment route and storage stops. Read the national Cargo and transit guide.

What Should You Watch for With Cargo and Transit Insurance in Indiana?

  • Confirm the Route Is Intrastate

    Indiana requires state authority for for-hire household-goods transportation within Indiana; DOR says applications take 30–60 days and no transport is authorized while pending. For a crossing-state route, ask which interstate authority and contract govern. 1

  • Compare the Filed Tariff With the Quote

    After authority approval Indiana gives the carrier 60 days to submit a tariff with its rates and charges; DOR says a carrier may not charge an amount absent from its tariff. Request the current tariff and compare packing, storage, handling and delivery charges. 1

  • Do Not Mistake Classification for Coverage

    The July 2025 IOA-1 lists household goods and other freight types as cargo classifications. That application does not say your goods are insured; ask for bill-of-lading valuation terms and any separate cargo-policy document. 2

  • Separate Form E From Goods Protection

    Indiana says the insurer submits Form E as proof for household-goods authority while the tariff is filed separately. Ask which policy addresses carrier liability and which, if any, insures your own interest in the shipment. 1

Which Providers Have Documented Indiana Licenses?

These providers publish a national listing for Cargo and transit; the state records document licenses for the entities and roles shown below. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm the product is available in Indiana. Check the regulator’s license lookup and confirm state availability for your business when requesting a quote.

  • Corgi

    Corgi Insurance Services, Inc.

    Insurance producer · checked 2026-09-28

    Corgi’s company producer-license table lists 50 jurisdictions: 49 states and the District of Columbia, including DC license 3003091619. New Mexico does not appear in the table and is not included here; the omission does not establish that Corgi is unlicensed there. The company-reported table has no stated as-of date and does not establish product availability. 12

    Corgi lists a cargo contractual liability product in its transportation offering.

Who Regulates Insurance in Indiana?

Indiana Department of Insurance

The Indiana Department of Insurance licenses and regulates insurance companies and producers, reviews rates and policies, and investigates consumer complaints. Its Consumer Services Division accepts complaints and the Department provides company and license searches. 3,4,5

Surplus-Lines Tax and Stamping Office in Indiana

Reported tax rate. 2.5% of gross premium when Indiana is the home state 6,7,8,9

Indiana’s surplus-lines premium tax is 2.5% when Indiana is the insured’s home state. Surplus-lines policies are outside Indiana guaranty-fund protection; before you buy, confirm the insurer’s identity and financial strength with your broker.

Questions to Ask Before You Buy Cargo and Transit in Indiana

  1. Are pickup and delivery both in Indiana, and does the mover hold approved household-goods authority for this route?
  2. Can I compare the current tariff, bill of lading and declared-value choice before booking?
  3. Which document is the carrier’s authority or liability filing, and what separate policy insures my goods value?

Cargo and Transit Insurance in Indiana: Frequently Asked Questions

Can a mover carry my Indiana household goods while authority is pending?

No. Indiana DOR says the for-hire household-goods carrier needs a Certificate of Public Convenience and Necessity and is not authorized to transport during processing. Confirm route and authority before pickup. 1

Does Indiana Form IOA-1 prove my goods are insured?

No. IOA-1 is an operating-authority application with cargo classifications. Ask for the carrier’s bill of lading and liability terms, plus a separate goods-policy document if you want your own cargo interest insured. 2,1

Sources for Cargo and Transit Insurance in Indiana

  1. Indiana Intrastate Passenger and Household Goods Authority. Indiana Department of Revenue, Motor Carrier Services; Application period, no-operation-while-pending rule, post-approval 60-day insurance and tariff filing. Accessed 2026-09-28.
  2. State Form 46918, IOA-1 Indiana Operating Authority (R14 / 7-25). Indiana Department of Revenue; Item 25 cargo classifications, including Household Goods. Accessed 2026-09-28.
  3. Indiana Department of Insurance. Indiana Department of Insurance; Official regulator homepage and insurance oversight. Accessed 2026-09-28.
  4. Company/Entity Financial Compliance. Indiana Department of Insurance; Official Company Lookup queries live department data on licensed entities; producer resources linked separately. Accessed 2026-09-28.
  5. Submit a Complaint Online. Indiana Department of Insurance; Online complaint portal and published consumer phone. Accessed 2026-09-28.
  6. Indiana Code § 27-1-15.8-4: Tax on surplus lines insurance. Indiana General Assembly; 2.5% tax and insured home-state application. Accessed 2026-09-28.
  7. Surplus Lines Agent Licensing. Indiana Department of Insurance; Official IDOI surplus-lines agent and company guidance; identifies surplus-lines insurers as companies not licensed to transact admitted insurance in Indiana and statutory eligibility conditions. Accessed 2026-09-28.
  8. Guaranty Associations & Funds. National Association of Insurance Commissioners; Overview of state guaranty-association scope and nonadmitted insurers. Accessed 2026-09-28.
  9. Guaranty Funds. Indiana Department of Insurance; Department description of Indiana P&C and life/health guaranty funds and their limits; together with the Department's surplus-lines company page distinguishing these nonauthorized companies from licensed insurers. Accessed 2026-09-28.
  10. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  11. 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.
  12. 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.
  13. 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.
  14. 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.
  15. About Risklytics. Risklytics; What we do; Who we insure; Licensing; Agency licenses table dated 2026-09-10. Accessed 2026-09-16.
  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, email The General Average with a supporting source.

Cargo and Transit Insurance Guides for Other States

Other coverage in IndianaEvery coverage guide for Indiana, plus the regulator and surplus-lines details.

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