Looking for Moving Company Insurance?
Protect your moving business from cargo damage, customer injuries, vehicle accidents, and liability claims. Get coverage for local movers, long-distance moving, and residential or commercial relocation services.
What is Moving Company Insurance?
Moving company insurance protects relocation businesses from damaged or lost customer belongings, property damage at homes and buildings, vehicle accidents, and employee injuries. Coverage typically includes cargo liability, commercial auto, general liability, and workers’ compensation. Interstate movers also need coverage that aligns with FMCSA requirements, and many buildings/HOAs require proof of insurance before granting elevator or loading access.
Cargo Liability
Covers customer belongings if items are damaged, destroyed, or lost while in your care during packing, loading, transit, or unloading.
Commercial Auto
Covers moving trucks and vehicles for accidents, injuries, and property damage while operating for business use.
General Liability
Covers third-party injuries and property damage at origin/destination locations (homes, apartments, loading docks, elevators).
Certificates
Fast proof of coverage for customers, property managers, HOAs, and FMCSA-related requirements.
Who Needs Moving Company Insurance?
- Local moving companies : Businesses requiring specialized insurance coverage
- Long-distance movers : Businesses requiring specialized insurance coverage
- Commercial relocation services : Businesses requiring specialized insurance coverage
- Specialty moving companies : Businesses requiring specialized insurance coverage
Frequently Asked Questions
What insurance do moving companies need?
Most movers need cargo liability for household goods, commercial auto for trucks, general liability for property damage and injuries at job sites, and workers’ comp for employees. If you offer storage, you may also need warehouse legal liability. Interstate movers must also carry coverage that meets FMCSA filing/authority requirements.
Is moving company insurance required?
Yes, in several ways. Interstate movers must register with the FMCSA and maintain required auto and cargo coverage. Many states require insurance for intrastate licensing. Separately, customers, HOAs, and commercial buildings often require proof of insurance (and sometimes specific endorsements) before allowing access.
How much does moving insurance cost?
Small local movers often pay $5,000–$12,000/year. Long-distance or multi-truck operations often pay $12,000–$40,000+/year depending on fleet size, payroll, revenue, typical cargo values, claims history, and whether you provide higher customer protection options.
Does insurance cover damaged belongings?
Cargo liability can cover damaged or lost items, but limits and valuation matter. Released value protection (often $0.60 per pound per item) is minimal and may not meet customer expectations. Full value protection is broader (repair/replace/settle up to declared value). Your cargo policy structure and limits directly affect what claims can be paid.
Does insurance cover property damage at homes?
General liability typically covers accidental damage, such as scratched floors, damaged door frames, wall dents, or elevator damage, when it occurs during normal operations and reasonable care is used. Some buildings require $1–$2M in liability limits for access, and may require specific endorsements (e.g., primary/non-contributory).
Can I add buildings as insured?
Yes. HOAs, condos, and commercial buildings frequently require being added as additional insureds on your general liability policy. We can issue COIs quickly and add multiple buildings as needed, including completing building-specific insurance forms when required.