Moving Company Insurance
Moving companies handle customers' most valued possessions while operating heavy trucks on busy roads. From scratched furniture to traffic accidents, the right insurance program protects your business and builds customer trust.
Coverages we place
- Auto liability for moving trucks and vans
- Physical damage for your vehicle fleet
- Cargo/goods in transit for customer belongings
- General liability for property damage at customer locations
- Workers' comp for lifting injuries, falls, and strains
- Inland marine for equipment (dollies, ramps, pads)
- Released value and full replacement valuation options
- Umbrella liability for high-value moves
Who needs this coverage
Local moving companies, long-distance movers, specialty movers (pianos, antiques), junk removal services, and portable storage container companies.
What drives your premium
- Number and size of moving trucks
- Local vs. interstate operations
- Annual revenue and number of moves per year
- Driver experience and MVR records
- Value of goods typically moved
- Claims history for damaged items
Common exclusions
- Pre-existing damage to customers' items
- Losses from items not listed on inventory
- Damage due to customer's improper packing
- Mold, pest, or vermin damage during storage
- High-value items not declared (jewelry, artwork over limits)
Frequently asked questions
What insurance do moving companies need?
Auto liability, physical damage, cargo/goods in transit, general liability, and workers' comp. Interstate movers also need FMCSA filings and proper valuation coverage.
What is the difference between released value and full replacement?
Released value is the minimum coverage required by law (60 cents per pound per item). Full replacement value covers the cost to repair or replace items at current market value.
How do I insure interstate moves?
Interstate movers need a USDOT number, operating authority, and FMCSA-compliant insurance with MCS-90 filings. We handle all the regulatory paperwork for you.
Related coverage
Get a free quote or call (321) 206-8035.