Form H

Definition

Form H is the state-level cargo insurance filing used by intrastate motor carriers to demonstrate cargo coverage to state utility commissions or motor carrier divisions. Companion to the Form E primary liability filing. Like Form E, Form H is filed by the insurer with the state on behalf of the carrier and remains active until the policy lapses or is canceled. Limits and procedures vary by state - California, Florida, Texas, and Illinois all maintain distinct intrastate cargo regimes. Interstate carriers do not file Form H; they rely on FMCSA BMC-32 or BMC-34 cargo endorsements as applicable.