Form E Liability Certificate

What it certifies

The Form E states that the insurer has issued a policy to the named carrier and that the policy includes the coverage required by the state's motor carrier laws. It identifies the carrier, the policy and the effective date. The state agency relies on it to issue or keep in force your permit or authority.

When states ask for it

States commonly require a Form E for intrastate for-hire carriers, and some for other categories such as tow operators or carriers of certain commodities. Texas, for example, requires an insurance filing before granting intrastate operating authority through its Department of Motor Vehicles. Requirements differ, so check your state agency's guidance.

Details that must match

• Legal business name exactly as on the state application
• Any assumed name or DBA
• Mailing address
• State permit or docket number if already assigned
• Policy number and effective date

Common delays

Filings are rejected or delayed when names do not match, when the insurer is not authorized to file in that state, or when the carrier's application is not yet on record. Submit the state application and ask your agent to file promptly, then confirm with the agency.

Limits

States set minimum limits that depend on the vehicle weight and what is carried. The filing certifies at least the minimum. Customers may still require higher limits on the policy.

Changes after filing

If your business name, address or entity changes, the filing may need to be updated or replaced. Tell your agent before the change happens so the state's records stay aligned with the policy.

Frequently asked questions