When a cargo filing is needed
Most states do not require cargo filings for general freight, but some do for specific operations, most often household goods movers. The rule depends on the state and the type of authority. Your state agency's application or instructions will tell you whether a cargo filing is part of it.
Policy versus filing
A motor truck cargo policy covers loss or damage to freight in your care, subject to its terms and exclusions. The Form H only certifies to the state that such coverage exists at the required amount. Customers may still ask for a certificate of insurance showing your cargo limit.
Read the cargo exclusions
- Unattended vehicle conditions
- Refrigeration breakdown coverage
- Excluded commodities such as electronics or alcohol
- Theft limits
- Coverage for property in a warehouse
Household goods movers
Movers face specific consumer protection rules in many states, including requirements around valuation and claims. A cargo filing is one part of that compliance. Read your state's mover rules alongside your policy.
Keeping it current
If you change insurers, the new insurer files a new Form H, and the old insurer files a cancellation. Plan for the new filing to be in place before the old one cancels.
Choosing a cargo limit
The state minimum may be lower than what your customers expect. Look at the value of a typical load, and of your most valuable one, and ask the agent to quote limits that fit those loads. The Form H will still certify the coverage the state requires.
Frequently asked questions
Do I need Form H for general freight?
Usually not, but check your state. Some states have requirements for particular operations.