Coverage line

A strapped wooden crate hangs between ship and shore on a single transit line.Illustration for The General Average

What Cargo Insurance Requirements Apply in Michigan?

A for-hire household-goods carrier needs Michigan CVED authority and files Form H with its insurance documents. If your intrastate move is over 40 miles and is not under a continuous contract, the carrier also needs tariff membership; neither authority nor Form H tells you the recovery value for your shipment.

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.

Michigan Cargo and Transit Insurance Requirements

Requirement	Details
Intrastate household-goods carrier filing	CVED authority; household-goods carriers provide Form H. Tariff membership applies to trips over 40 miles unless operating under a continuous contract. ¹

What to Watch for With Cargo and Transit in Michigan

Verify CVED Authority, Not Just USDOT
Michigan CVED says a USDOT number alone does not prove authority to move household goods. Check the state authority record and ask for the insurance Form H filing before hiring an intrastate mover. ^1,²
Check the 40-Mile Threshold
For household-goods carriers, CVED lists tariff membership when travel exceeds 40 miles unless the carrier operates under a continuous contract. Give the carrier the actual origin and destination and ask which tariff or contract controls the move. ¹
Compare Declared Value With Goods Value
CVED recommends an onsite inventory and bill of lading before loading, and tells customers to check their home insurer for move coverage. List unusually valuable items separately and ask what the carrier’s filed cargo coverage and your own policy each respond to; an authority filing alone is not a valuation choice. ²

Which Cargo and Transit Providers Have Michigan License Records?

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 Michigan. Check the regulator’s license lookup and confirm state availability for your business when requesting a quote.

Corgi
Insurance producer · checked 2026-09-28
Corgi Insurance Services, Inc.
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. ¹¹
Corgi lists a cargo contractual liability product in its transportation offering.

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

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint
Phone: 877-999-6442

Surplus-Lines Tax and Stamping Office in Michigan

Reported tax rate. 2.5% combined surplus-lines tax and regulatory fee on premium when Michigan is the insured's home state ^6,^7,⁸

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.

Questions to Ask Before You Buy Cargo and Transit in Michigan

Can I verify your Michigan CVED authority and see the Form H filing for the entity moving my goods?
Is my route over 40 miles, and if so, which tariff membership or continuous contract applies?
How will the onsite inventory and bill of lading record high-value items, and what separate goods coverage should I consider?

Cargo and Transit Insurance in Michigan: Frequently Asked Questions

Do Michigan household-goods carriers file cargo insurance?

CVED requires household-goods carriers to provide Form H from their insurer as part of the state authority requirements. Form H is a carrier filing; ask separately how your shipment’s value is treated. ¹

Does Michigan regulate every household move tariff the same way?

No. CVED says tariff membership is required for household-goods carriers traveling more than 40 miles unless they operate under a continuous contract. Check the route and contract type with the mover. ¹

Sources

15 documents, numbered as cited. Open the sources

Sources for Cargo and Transit Insurance in Michigan

1
Regulatory & Credentialing Section. Michigan State Police, Commercial Vehicle Enforcement Division; Intrastate authority; household goods carrier Form H and >40-mile tariff membership. Accessed 2026-09-28.
2
Key Tips to Protecting Your Household Goods Move. Michigan State Police, Commercial Vehicle Enforcement Division; Tips 1-4 and 9, authority lookup, inventory, bill of lading and valuation. Accessed 2026-09-28.
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.

What Cargo Insurance Requirements Apply in Michigan?

What Is Cargo and Transit Insurance?

Michigan Cargo and Transit Insurance Requirements

What to Watch for With Cargo and Transit in Michigan

Verify CVED Authority, Not Just USDOT

Check the 40-Mile Threshold

Compare Declared Value With Goods Value