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What Cargo Insurance Requirements Apply in Missouri?

For Missouri household-goods moves, a motor carrier must issue a receipt or bill of lading on demand and cannot contract away liability for its own caused loss through a reasonable time for removal after arrival notice. A separate value-based cap may be agreed only when the rate depends on value and you are told you may declare more.

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 to Watch for With Cargo and Transit in Missouri

  • Track the Carrier’s Custody Period

    Missouri §387.180 addresses loss or damage caused by the motor carrier from delivery for transportation through arrival and a reasonable period to remove goods after notice. Ask when arrival notice is recorded, who receives it, and whether the storage or delivery stage changes which agreement applies. 1

  • Ask How the Value Limit Was Chosen

    Under §400.7-309, a carrier’s bill or transport agreement may cap liability at a stated value only when rates depend on value and you are advised and offered the chance to declare a higher value; the cap does not apply to conversion to the carrier’s own use. Compare the value entered in the signed document with your inventory, and arrange separate cargo coverage if it leaves a gap. 2

  • Do Not Mistake Auto Liability for Cargo Cover

    Missouri’s property-carrier registration application requires a certificate for personal injury and property-damage liability but expressly excludes damage to cargo transported by the applicant. Ask separately for the cargo policy or bond and what goods, routes, and valuation it responds to. 3

Which Providers Have Documented Missouri 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 Missouri. 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. 14

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

Who Regulates Insurance in Missouri?

Missouri Department of Commerce and Insurance

Missouri DCI licenses insurance producers and insurers, reviews property and casualty rates and forms, and investigates complaints against insurance companies and producers. 4,5,6,7

Surplus-Lines Tax and Stamping Office in Missouri

Reported tax rate. 5% of premium; Missouri taxes the entire gross premium when Missouri is the home state 8,9,10,11

When Missouri is the insured’s home state, the state applies its 5% surplus-lines tax to the entire gross premium of a multistate policy; the regulator’s FAQ says the tax includes applicable fees. Eligible nonadmitted insurers do not participate in the Missouri Guaranty Fund, and Missouri generally requires the full amount or kind of coverage to be unavailable from admitted insurers before placement; an exempt commercial purchaser search exception has separate disclosure and written-request conditions.

Questions to Ask Before You Buy Cargo and Transit in Missouri

  1. Can I receive the bill of lading before pickup, with the shipment value and any cap clearly shown?
  2. What event starts the arrival and removal period, and where will the carrier send arrival notice?
  3. Does the carrier filing include cargo loss, or only motor-vehicle liability, and what is my separate goods coverage?

Cargo and Transit Insurance in Missouri: Frequently Asked Questions

Can a Missouri carrier set a value limit for damaged cargo?

Yes, if its rate depends on the value and the consignor is advised and offered a chance to declare a higher value; the cap does not apply to conversion to the carrier’s own use. A bill-of-lading or transport-agreement term may also set reasonable claim-presentation terms. 2

Does a Missouri motor carrier’s liability certificate cover the cargo it hauls?

Not necessarily. For property-carrier registration, §390.290’s certificate concerns personal injury and property-damage liability from negligent vehicle operations and excludes property transported as cargo. Ask for the separate cargo filing. 3

Sources for Cargo and Transit Insurance in Missouri

  1. Missouri Revised Statutes §387.180, Liability for Damage to Property in Transit. Missouri Revisor of Statutes; Subsections 1-2; effective Aug. 28, 1996. Accessed 2026-09-28.
  2. Missouri Revised Statutes §400.7-309, Duty of Care—Contractual Limitation. Missouri Revisor of Statutes; Subsections (a)-(c); effective Aug. 28, 2017. Accessed 2026-09-28.
  3. Missouri Revised Statutes §390.290, Property Carrier Registration Application. Missouri Revisor of Statutes; Subsection 1(1), certificate excludes transported cargo. Accessed 2026-09-28.
  4. Missouri Department of Commerce and Insurance. Missouri Department of Commerce and Insurance; Official insurance regulator homepage. Accessed 2026-09-28.
  5. Find an Insurance Agent/Agency. Missouri Department of Commerce and Insurance; Official DCI search page says its License & Contact Info search covers licensed agents and agencies; it links to company search. Accessed 2026-09-28.
  6. Insurance Complaints. Missouri Department of Commerce and Insurance; Complaint filing page; says Consumer Affairs investigates complaints against insurers and producers; consumer hotline 800-726-7390. Accessed 2026-09-28.
  7. Insurance Company Rate, Rule and Policy Form Filings. Missouri Department of Commerce and Insurance; Official DCI rate, rule and form filing page; identifies state oversight of insurer product filings. Accessed 2026-09-28.
  8. Surplus Lines FAQs. Missouri Department of Commerce and Insurance; FAQ states 5% of Missouri net premium including applicable fees and eligible surplus-lines companies do not participate in the Guaranty Fund. Accessed 2026-09-28.
  9. RSMo §384.061. Missouri Revisor of Statutes; Subsections 1–2: entire gross premium is taxed when Missouri is home state; Chapter 384 placement regulation applies only when Missouri is home state. Accessed 2026-09-28.
  10. RSMo §384.021. Missouri Revisor of Statutes; Admitted-market availability rule and exempt commercial purchaser due-diligence exception; exception conditions appear in subsection 2. Accessed 2026-09-28.
  11. Surplus Lines FAQs. Missouri Department of Commerce and Insurance; FAQ says eligible surplus-lines insurers do not participate in the Guaranty Fund. Accessed 2026-09-28.
  12. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  13. 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.
  14. 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.
  15. 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.
  16. 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.
  17. The Pie Insurance Company — Company Details. Missouri Department of Commerce and Insurance; Company name: THE PIE INSURANCE COMPANY; status Active; NAIC 21857; license B424258; Property and Casualty; date admitted 1999-07-07. The page has no expiry/renewal field. Accessed 2026-09-28. Accessed 2026-09-28.
  18. 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.
  19. 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 MissouriEvery coverage guide for Missouri, plus the regulator and surplus-lines details.

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