Coverage line

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

Cargo insurance for Wyoming shipments

WYDOT's operating-authority manual says contract carriers generally need liability filing, while cargo Form H depends on the commodity: goods that can be dumped and recovered without losing value are treated differently from appreciable-value loads. Mobile-home carriers also need a distinct Form MC61E filing.

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.

Wyoming Cargo and Transit Insurance Requirements

Requirement	Details
Commodity-based cargo filing	WYDOT's manual says carriers hauling appreciable-value cargo need Form H; listed minimum is $10,000. Loose commodities that can be dumped and recovered without a change in value are treated differently. ¹
Mobile-home mover security	The manual lists separate Form MC61E security for mobile-home physical damage, including contents, alongside Form E liability and cargo Form H when required. ¹

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

Commodity form and handling can change the cargo filing
WYDOT describes loose goods that can be dumped and recovered without a value change differently from appreciable-value cargo. Ask whether your exact commodity and loading method fall on the Form H list; bagged, processed, or salvageable goods should not be assumed to share a loose-bulk exception. ¹
A mobile home is not just another freight load
WYDOT lists Form MC61E as separate mobile-home mover security and describes Form H for personal contents. Ask for the filing that addresses the structure itself and separately verify coverage for contents or other freight. ¹
A standard certificate may not satisfy Wyoming authority filing
WYDOT says required forms must be completed by an insurer/broker representative and does not accept standard certificates, binders, abstracts, or insurance cards for intrastate authority. Confirm the filed form and active authority, not just a certificate emailed by the carrier. ^2,¹

Which Cargo and Transit Providers Have Wyoming 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 Wyoming. 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. ¹⁰
Corgi lists a cargo contractual liability product in its transportation offering.

Who Regulates Insurance in Wyoming?

Wyoming Department of Insurance

The Wyoming Department of Insurance administers Wyoming insurance laws, oversees insurers and insurance producers within its authority, and provides regulatory and consumer resources. You can use the department's complaint process to raise an insurance issue and its licensing resources to check insurance professionals. ^3,^4,⁵

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

Surplus-Lines Tax and Stamping Office in Wyoming

Reported tax rate. 3% of premium ^6,⁷

The NAIC's state chart lists a 3% of premium charge for surplus-lines coverage for Wyoming (the chart's state entries were reviewed in October 2025). Your broker may collect the applicable amount with the premium. Surplus-lines insurers are not licensed in the state and generally are outside state guaranty-association protection; ask your broker to explain the insurer's financial protections and any diligent-search requirement that applies to your placement.

Questions to Ask Before You Buy Cargo and Transit in Wyoming

Is the carrier for-hire under Wyoming authority, private hauling its own goods, or exempt under a specific rule?
Does WYDOT classify this commodity and loading method as Form H cargo, and what load-value limit is filed?
If a mobile home is hauled, are Form E, cargo Form H for contents, and Form MC61E all addressed?

Cargo and Transit Insurance in Wyoming: Frequently Asked Questions

Does every Wyoming intrastate contract carrier need the same cargo filing?

WYDOT's manual says the requirement depends on what is hauled: appreciable-value cargo generally needs Form H, while certain low-value loose commodities are treated differently. Check the current commodity list and actual filing with WYDOT. ¹

Will a standard certificate of insurance prove Wyoming operating authority coverage?

WYDOT says it does not accept standard certificates, binders, abstracts, or insurance cards for intrastate authority filings. Ask the carrier to confirm the insurer-submitted form and current authority. ²

Sources

14 documents, numbered as cited. Open the sources

Sources for Cargo and Transit Insurance in Wyoming

1
Wyoming Operating Authority Manual. Wyoming Department of Transportation; Sections 3 and 8: commodity-dependent Form H, mobile-home Form MC61E, minimums and cargo list; revised 2020-12. Accessed 2026-09-28.
2
Intrastate Operating Authority. Wyoming Department of Transportation; Contract/private carrier definitions, required filings, and unacceptable proof formats, lines 29–57. Accessed 2026-09-28.
3
Wyoming Department of Insurance. Wyoming Department of Insurance; Official regulator website; insurance oversight and consumer/professional resources. Accessed 2026-09-28.
4
Insurance Department Directory. National Association of Insurance Commissioners; Wyoming Department of Insurance entry; official contact and website listing. Accessed 2026-09-28.
5
Licensing Center. National Insurance Producer Registry; State producer licensing and lookup resources. Accessed 2026-09-28.
6
Surplus Lines Insurance Premium Taxes. National Association of Insurance Commissioners; WY row; state surplus-lines premium-tax rate reviewed October 2025. Accessed 2026-09-28.
7
Guaranty Associations & Funds. National Association of Insurance Commissioners; Coverage of claims from insolvencies of insurers licensed in a state; surplus-lines insurers are nonadmitted. Accessed 2026-09-28.
8
Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
9
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.
10
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.
11
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.
12
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.
13
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.
14
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 Wyoming shipments

What Is Cargo and Transit Insurance?

Wyoming Cargo and Transit Insurance Requirements

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

Commodity form and handling can change the cargo filing

A mobile home is not just another freight load

A standard certificate may not satisfy Wyoming authority filing