By Haul Handbook editorial team· Updated Jul 29, 2026
What Michigan requires
These are the state-level rules attached to Michigan intrastate operating authority. A field reading "Not confirmed" means this guide has not confirmed that value. The note explains the gap; unknown is not evidence of absence.
- Cargo minimum
- Two different answers, and an earlier version of this guide recorded only the missing half. GENERAL FREIGHT: Michigan sets no intrastate cargo minimum, so the cargo stays blank as a confirmed absence. HOUSEHOLD GOODS: the figure is not missing after all. MSP/CVED requires a Form H and publishes no amount itself, but MCL 480.11a(1)(b) adopts 49 CFR part 387 into Michigan law, and 49 CFR 387.303(c) sets household goods cargo liability at $5,000 for loss or damage on any one motor vehicle and $10,000 for an aggregate of losses at any one time and place. Both were read verbatim at eCFR on 2026-07-30, and MCL 480.11a(1)(b) was re-read at legislature.mi.gov the same day to confirm part 387 is inside the adoption list. So a Michigan household goods mover files Form H against those adopted federal limits; the earlier note treated this as an unclosable gap needing a phone call to MSP-CVED-RCS, which it was not.
Who files the proof of insurance
The rows identify stored proof-of-coverage filings. Confirm which filing applies to your authority and who submits it before requesting a form.
The carrier does not file proof of insurance itself. The insurance company files the Form E with MSP/CVED, plus a Form H for a household goods carrier. The applicant separately supplies a Certificate of Liability. Proof of workers' compensation insurance, or an approved exclusion form from the Workers' Compensation Agency, is a distinct approval requirement, and MCL 479.9(2) requires a motor carrier to demonstrate compliance with the Worker's Disability Compensation Act on initial application and again whenever the department asks after a lapse.
The federal minimums, for contrast
Federal financial-responsibility requirements depend on the operation, vehicle and commodity. Review the rows and exclusions in 49 CFR Part 387 (property carriers 387.303, brokers and freight forwarders 387.307, endorsements 387.15), as displayed on FMCSA's insurance filing requirements page; the filing mechanics live in our BMC-91 and BMC-34 insurance filings guide.
Scroll sideways to see every column.
Where insurance fits in the Michigan launch
Coverage sits early in the sequence: the federal filing sequence needs your insurer's proof of coverage on file before authority activates, and the state rules above attach to the credential covered on the Michigan intrastate authority page. For the full order of operations, work through start a trucking company in Michigan.