Section 39-31-14 is a public liability filing, and the word “cargo” is not in it
One motor carrier insurance filing survives in North Dakota, and it belongs to a commodity class rather than to freight generally.
N.D.C.C. chapter 39-31 is titled Common Household Goods Carriers and was read in full — all seventeen sections, with §§ 39-31-05, -07, -08, -09 and -10 marked “Repealed by S.L. 2015, ch. 277, § 8”. Section 39-31-01 defines the class the chapter reaches: “In this chapter, unless the context otherwise requires, ‘common household goods carrier’ means any person that holds oneself out to the public as willing to undertake for hire to transport by motor vehicle from place to place the household goods of others who may choose to employ that person.” The chapeau hedge — “unless the context otherwise requires” — travels with that definition and is carried here as the statute wrote it.
Section 39-31-14 supplies the filing, and its content is worth reading against its heading. Headed “Insurance required of carrier - Liability of insurer”, it provides: “The department, before granting a household goods carrier permit to any common motor carrier, shall require the owner or operator to procure public liability insurance. The conditions of the liability insurance must guarantee the payment of any loss or damage to property or on account of the death or injury to any person resulting from the negligence of the carrier. The carrier shall file the insurance policy with the department and the policy must be kept in full force. The carrier must provide proof the policy is in full effect annually in a form prescribed by the department. Upon failure of a carrier to maintain insurance required by this section, the department shall cancel the permit.”
Three things follow. The coverage described is third-party — loss or damage to property or death or injury “resulting from the negligence of the carrier” — rather than first-party cover for the goods being hauled. No dollar amount appears anywhere in the section, and no North Dakota administrative rule sets one; this is a genuine “required of movers, amount not stated in the instrument” answer rather than a gap in the reading. And the consequence of lapse is cancellation of the permit, with an annual proof obligation to keep it alive.
The section closes with an alternative to filing the policy itself: a certificate from any company authorized to write liability or property damage insurance in the state, in a form approved by the department, certifying that the required policy is in effect, may be filed instead of the policy.
For a general-freight operation none of this applies, and the reason is the class definition rather than a weight. The chapter reaches a person who holds themselves out to carry household goods. A carrier moving parts, machinery, building materials or palletized freight is not inside it, and North Dakota imposes no cargo filing on that carrier from any other source — the safety chapter’s adopted federal financial-responsibility part reaches a federal filing rather than a state one, and it comes off entirely below the 26,000-pound line in any event.
The application requirements in the same chapter confirm the shape. Section 39-31-06 requires, as part of the permit application, proof of registration with the secretary of state and either proof of workers’ compensation coverage or an affidavit of nonemployment. Cargo is not among the application contents.