Coverage line

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

Cargo insurance for Utah shipments

Utah law makes a carrier moving freight between points within Utah liable for actual loss it causes and generally bars contractual liability limits, with a narrow commission-approved released-value exception. It also sets minimum claim periods. Those carrier-liability rules do not promise that a carrier's cargo policy or your separate goods policy covers a particular loss.

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.

Utah Cargo and Transit Insurance Requirements

Requirement	Details
Utah intrastate freight liability	For a shipment from one Utah point to another, the carrier must issue a receipt or bill of lading and is liable for actual loss, damage, or injury it causes; through-bill carriers can also be liable. ¹
Minimum claim periods	A Utah motor carrier must allow at least 90 days for notice, four months to file a claim, and two years to sue. A notice or filed claim is not a condition precedent for specified negligent loading/unloading or transit damage. ¹

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

Read the released-value clause before signing
For intrastate motor freight, Utah generally voids carrier liability limits except for a commission-authorized value-based rate with written declared or agreed value. Separately, §70A-7a-309 allows a bill-of-lading cap only with value-dependent rates and an offered, disclosed higher-value option. Check which rule governs before accepting a low recovery amount. ^1,²
Calendar the state's minimum claim windows and the policy notice deadline separately
The statute sets carrier claim periods, including a 90-day notice period and four months to file. Your own cargo policy can have separate notice and proof requirements; notify both the carrier and insurer promptly rather than assuming one notice preserves both claims. ¹
Legal carrier liability and cargo-policy recovery are different
The Utah provisions define when a carrier owes for loss; they do not state that the carrier's cargo policy will pay every loss or that your goods are insured at full value. Compare the carrier contract, carrier policy terms, and your own insurable interest. ¹

Which Cargo and Transit Insurance Providers Have Utah 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 Utah. 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. ¹³
Corgi lists a cargo contractual liability product in its transportation offering.

Who Regulates Insurance in Utah?

Utah Insurance Department

The Utah Insurance Department regulates licensed insurance companies and producers, offers a public licensee search, and accepts complaints about property/casualty insurance. Complaint jurisdiction depends on policy type and place of issue; employer self-funded plans are outside the Department’s authority. ^3,^4,⁵

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

Surplus-Lines Tax and Stamping Office in Utah

Reported tax rate. 4.25% of gross premium including policy fees, plus 0.18% stamping fee ^6,^7,^8,^9,¹⁰

For Utah-home-state surplus-lines coverage, Utah charges 4.25% of gross premiums including policy fees, less returned premiums, and the Surplus Line Association of Utah collects a 0.18% stamping fee. Utah law requires a policy notice that the nonadmitted insurer is not protected by any Utah guaranty association; the state’s current guidance says a good-faith admitted-market effort is generally required unless the coverage is on the export list.

Surplus Line Association of Utah

What Should You Ask Before Buying Cargo and Transit Insurance in Utah?

Are pickup and delivery both in Utah, or does the shipment form part of an interstate move?
Does the bill of lading declare a value under a commission-authorized value-based rate, and what recovery does that create?
What dates apply to notice, filed claim, suit, and notice to my own cargo insurer?

Cargo and Transit Insurance in Utah: Frequently Asked Questions

How much time must a Utah carrier allow to report a cargo claim?

For intrastate freight, Utah law requires at least 90 days to give claim notice, four months to file a claim, and two years to sue. The law removes notice/filing as a condition precedent for specified negligent loading, unloading, or in-transit damage; report promptly anyway. ¹

Can a Utah intrastate carrier cap recovery in its bill of lading?

Generally, Utah makes liability limits void, with a narrow exception for non-livestock goods under commission-authorized value-based rates and a written declared or agreed value. Have the carrier identify the governing rate and declaration. ¹

Sources

17 documents, numbered as cited. Open the sources

Sources for Cargo and Transit Insurance in Utah

1
Utah Code, Title 72, Chapter 9. Utah Legislature; §§ 72-9-401–402, intrastate freight liability, approved released-value exception, claim-notice and suit periods; §72-9-401 updated by 2025 General Session, pp. 221–222. Accessed 2026-09-28.
2
Utah Code, Title 70A Chapter 7a. Utah Legislature; §70A-7a-309, carrier care, bill-of-lading liability limits, higher-value option and claim terms; full chapter PDF p.182. Accessed 2026-09-28.
3
utah insurance regulator. State insurance regulator; Official department pages identify consumer, licensee-search, complaint, and regulatory services. Accessed 2026-09-28.
4
Utah Insurance Department Licensee Search. State insurance regulator; Official search provides public contact information and verifies agent or agency licensing status. Accessed 2026-09-28.
5
Utah Insurance Department Complaints. State insurance regulator; Accepts most P&C complaints and specifies exclusions and complaint-channel limits. Accessed 2026-09-28.
6
Utah Code §31A-3-301. Utah Legislature; Effective October 14, 2025; 4.25% of gross premium including fees; cancellation/return premium deductions and statutory exclusions. Accessed 2026-09-28.
7
Utah Code §31A-3-303. Utah Legislature; §31A-3-301(4): premiums for surplus-lines insurance are taxable in full when Utah is the home state; subject to §31A-3-305 interstate allocation agreements for multistate risks. Accessed 2026-09-28.
8
Excess & Surplus Lines Insurance. Utah Insurance Department; Current FAQ: tax 4.25% of gross premiums including fees; stamping fee 0.18%; SLA Utah is stamping office; submission within 60 days. Accessed 2026-09-28.
9
Utah Code §31A-15-103(8)(c). Utah Legislature; Surplus-lines policy must contain statutory notice that the insurer is not licensed and receives no protection from any guaranty associations under Title 31A, Chapter 28. Accessed 2026-09-28.
10
Excess & Surplus Lines Insurance. Utah Insurance Department; Current surplus-lines guidance: good-faith effort to place with admitted insurer is general rule; export-list coverage does not require diligent search, while off-list coverages require normal search procedures. Accessed 2026-09-28.
11
Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
12
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.
13
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.
14
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.
15
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.
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.

Cargo insurance for Utah shipments

What Is Cargo and Transit Insurance?

Utah Cargo and Transit Insurance Requirements

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

Read the released-value clause before signing

Calendar the state's minimum claim windows and the policy notice deadline separately

Legal carrier liability and cargo-policy recovery are different