GeneralAverage

Coverage line

What Cargo Insurance Requirements Apply in Oregon?

For an Oregon household-goods move, the state’s mover bulletin says released-value protection limits the mover’s liability to 60 cents per pound per damaged article. It separately says additional valuation protection may be purchased from the mover or an insurer of your choice, and advises checking whether your own policy covers goods while carried by a for-hire carrier. Get the selected option written into the bill of lading before signing.

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 Oregon?

  • Do Not Confuse Carrier Liability With a Cargo Policy

    ODOT’s form expressly distinguishes the mover’s liability from insurance. The released-value option measures the mover’s payment by article weight, so it may be far below a high-value item’s replacement cost. 1

  • Check Whether Your Own Policy Travels With the Goods

    ODOT says additional protection may be bought from an insurer of your choosing and specifically recommends asking your current insurer whether coverage applies while goods are transported by a for-hire carrier. Request a written answer for the route and property. 1

  • Make the Bill of Lading Match Your Choice

    Oregon’s consumer page says to choose a valuation option and have it shown on the bill of lading before signing. If the declared value is lower than the goods’ actual value, ODOT warns that the shipment may not be fully protected. 2

Which Providers Have Documented Oregon 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 Oregon. 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 Oregon?

Oregon Division of Financial Regulation

DFR handles complaints about most insurance lines and provides Oregon license checks for agents, agencies, and insurers. You can use its consumer complaint form if an insurer or agent is not following Oregon law or rules. 3,4,5

Surplus-Lines Tax and Stamping Office in Oregon

Reported tax rate. 2% of Oregon-home-state gross premiums, plus 0.3% on premium or fees for fire marshal 6,7,8,9

For Oregon-home-state risks, the surplus-lines licensee must collect a 2% tax on gross premiums and a 0.3% fire-marshal tax on premium or fees, in addition to the premium. Oregon requires the policy to warn that losses will not be paid by the state guaranty fund; the exempt-commercial-purchaser search exception requires admitted-market disclosure and a written request.

Surplus Line Association of Oregon

Questions to Ask Before You Buy Cargo and Transit in Oregon

  1. Will the bill of lading show released value or another valuation option, and how is any limit calculated for each item?
  2. Does my own cargo or property policy cover the goods while a for-hire mover carries them, including any storage stops?
  3. If I purchase additional protection, who issues the policy, what goods and transit stages does it cover, and what deductible applies?

Cargo and Transit Insurance in Oregon: Frequently Asked Questions

What does Oregon’s released-value option pay for a damaged household item?

ODOT’s bulletin says the mover’s liability is 60 cents per pound per article, based on the article’s actual weight. This is a liability measure, not a statement of the item’s market value. 1

Can I buy separate insurance for goods moved by an Oregon household mover?

ODOT says additional valuation protection may be purchased from the mover or an insurer of your choosing. The bulletin advises checking with your current insurer to confirm whether your existing coverage applies during for-hire transport. 1

Sources for Cargo and Transit Insurance in Oregon

  1. General Information Bulletin for Moving Household Goods in Oregon (Form 735-9943). Oregon Department of Transportation, Commerce and Compliance Division; Form dated 3-24, pp. 2-3: carrier liability versus insurance; released value; additional protection. Accessed 2026-09-28.
  2. Household Goods Moving. Oregon Department of Transportation, Commerce and Compliance Division; Protect your household goods; bill-of-lading selection; intrastate and interstate complaint routes. Accessed 2026-09-28.
  3. oregon insurance regulator. State insurance regulator; DFR homepage identifies consumer, licensing, and complaint services. Accessed 2026-09-28.
  4. DFR Check a License. State insurance regulator; Insurance industry section links Oregon agent, agency, and company license-status search in NAIC SBS. Accessed 2026-09-28.
  5. DFR File a Complaint. State insurance regulator; Online insurance complaint form; DFR says it can review whether a company or agent follows Oregon law and rules. Accessed 2026-09-28.
  6. Oregon Revised Statutes §735.470. Oregon Legislature; Subsections (1)(a)–(c), (4): 2% on Oregon-home-state gross premiums plus 0.3% of premium or fees for fire marshal; licensee collects taxes in addition to premium. Accessed 2026-09-28.
  7. Oregon Revised Statutes §§735.405, 735.410, 735.470. Oregon Legislature; ORS 735.470(1)(a) taxes Oregon-home-state risks; ORS 735.418 authorizes interstate allocation procedures. Accessed 2026-09-28.
  8. Surplus Lines Insurance. Oregon Division of Financial Regulation; Page states surplus-lines insurance through a nonlicensed insurer is not protected by the Oregon Insurance Guaranty Association. Accessed 2026-09-28.
  9. Oregon Revised Statutes §§735.405, 735.410 and 735.415. Oregon Legislature; 2025 Edition online text: §§735.405(6), 735.410(1)–(2), 735.415(1)(b)–(2); current chapter text includes the ECP definition, diligence rule, disclosure/written-request exception, and policy warning against guaranty fund coverage. 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. 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.
  16. 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 OregonEvery coverage guide for Oregon, plus the regulator and surplus-lines details.

Want someone to handle this for you?

Spot, which publishes this research, gets quotes from 50+ providers, picks the options that fit your coverage and budget, and manages renewals after you buy. The first consultation is free. Book a free consultation