PDFWAC 480-15-530

Public liability and property damage insurance.

(1) Before operating under a household goods permit, carriers must have public liability and property damage insurance covering every motor vehicle used in its operations. The commission will not issue a permit for authority to operate without acceptable proof of required insurance coverage. Carriers must maintain the required public liability and property damage insurance at all times for every motor vehicle used in Washington intrastate operations.
(a) The policy must be written by an insurance company authorized to write insurance in Washington state or by an unauthorized insurer providing surplus lines coverage subject to the provisions of RCW 48.15.040, covering each motor vehicle as defined in RCW 81.80.010 used or to be used under the permit.
(b) The policy must include the Uniform Motor Carrier Bodily Injury and Property Damage Liability Certificate of Insurance (Form E) or Uniform Motor Carrier Bodily Injury and Property Damage Liability Surety Bond (Form G).
(c) The commission may suspend or cancel the permit of any carrier operating without proof of required insurance coverage.
(2) The minimum limits of required public liability and property damage insurance for motor vehicles operated by household goods carriers are as follows:
(a) At least $300,000 in combined single limit coverage for motor vehicles with a gross vehicle weight rating of 10,000 pounds or less.
(b) At least $750,000 in combined single limit coverage for motor vehicles with a gross vehicle weight rating of 10,001 pounds or more.
(3) Carriers must file a Uniform Motor Carrier Bodily Injury and Property Damage Liability Certificate of Insurance (Form E) or Uniform Motor Carrier Bodily Injury and Property Damage Liability Surety Bond (Form G) as a condition of maintaining a household goods permit.
(a) The Form E or Form G filing must be issued in the same name as the carrier's permit.
(b) The Form E or Form G filing must be continuous, until canceled by a Notice of Cancellation (Form K) filed with the commission no less than 30 days before the cancellation effective date.
(4)(a) The commission will accept an insurance certificate or binder for up to 60 days. A certificate or binder may be canceled by filing written notice with the commission at least 10 days before the cancellation effective date. A certificate or binder must be replaced by a Form E or Form G within 60 days of filing, or before the expiration date, whichever occurs first.
(b) Certificates or binders must include the following information:
(i) The commission as the named certificate holder.
(ii) The carrier's name, as it appears on the permit or application, as the insured.
(iii) The insurance company name.
(iv) The insurance policy number.
(v) The effective and expiration dates.
(vi) The insurance limits of coverage.
[Statutory Authority: RCW 80.01.040, 81.01.010, 81.04.160, 81.80.290, and 81.77.030. WSR 23-15-054 (Docket T-220252, General Order R-607), § 480-15-530, filed 7/13/23, effective 8/13/23. Statutory Authority: RCW 80.01.040, 81.01.010, 81.04.160, and 81.80.130. WSR 13-23-048 (Docket TV-130079, General Order R-573), § 480-15-530, filed 11/15/13, effective 12/16/13. Statutory Authority: RCW 80.01.040, 80.04.160, 81.04.250, 81.28.040, 81.80.120, 81.80.130 and 81.80.290. WSR 08-02-049 (Docket TV-070466, General Order R-547), § 480-15-530, filed 12/27/07, effective 1/27/08. Statutory Authority: RCW 81.04.160 and 80.01.040. WSR 99-01-077 (Order R-454, Docket No. TV-971477), § 480-15-530, filed 12/15/98, effective 1/15/99.]