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Why do moving companies need insurance?
Movers often take on legal liability for injuries and property damage that happen during loading, unloading, and transit. If high-value items are lost or damaged, the results could be devastating for a small moving company. Depending on the type of policy, insurance can pay for broken items, medical bills, legal defense costs, and theft.
Find affordable coverage
With Insureon, movers can get free quotes from top-rated insurance companies.
A licensed insurance agent will help you navigate your coverage options. Get peace of mind knowing you have the right policy at an affordable price.
Which insurance policies do moving companies need?
These insurance policies cover common risks faced by movers.
Commercial auto insurance
This policy pays for property damage and medical bills in an accident involving your moving truck. It can also cover vehicle theft, vandalism, and weather damage.
BEST FOR
- Truck accidents
- Vandalism and theft
- Weather damage
General liability insurance
General liability insurance covers third-party risks for a moving company, such as a customer who trips over a dolly and suffers a bodily injury. It's often required for a commercial lease.
BEST FOR
- Slip-and-fall accidents
- Damaged customer property
- Libel and slander lawsuits
Workers' compensation insurance
Most states require workers' comp for moving businesses with employees. It also covers work-related medical bills for sole proprietors, which personal health insurance could deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Lawsuits from employee injuries
Business owner's policy
A BOP is a cost-effective way for moving companies to buy general liability coverage and commercial property insurance together. It protects against common lawsuits and property damage.
BEST FOR
- Accidents that harm clients
- Stolen or damaged items
- Business interruption insurance
Looking for different coverage? See more policies.
How do I get a mover's certificate of insurance?
It's easy to get business insurance and surety bonds for movers if you have your company information on hand. Our application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance (COI) with Insureon in three easy steps:
- Complete a free online application
- Compare insurance quotes and choose policies
- Pay the policy premium and download a certificate
Insureon's licensed insurance agents will help you find the right policies for your moving company, whether you work independently or hire employees.
Common questions about moving company insurance
What other types of insurance coverage do movers need?
Moving companies take on risks that are often exclusions from basic coverage, such as protection for a customer's belongings in your care, custody, or control. Because of this, you may need additional coverage such as:
- Cargo insurance, a type of inland marine insurance, covers a customer's personal belongings while they are in transit.
- Professional liability insurance helps pay legal defense costs if your moving company makes a mistake or oversight that financially harms a customer.
- Commercial umbrella insurance boosts the limits of your general liability insurance, commercial auto insurance, and employer's liability insurance to pay for the most expensive lawsuits.
What does it mean to be licensed and bonded?
The laws in your state will determine whether your moving company needs to be licensed or bonded. Your business might need to register or get licensed to work in a certain location. You may also need proof of insurance or a surety bond.
For example, Florida law requires movers of household goods to register and provide proof of liability insurance. Moving companies with only one or two vehicles can supply a $25,000 performance bond or certificate of deposit in a Florida bank in place of insurance.
Moving companies in Texas must be licensed with the Texas Department of Motor Vehicles (TxDMV).
Surety bonds provide a guarantee that your moving business will meet industry standards and comply with regulations. Some states require them for businesses that transport household goods and personal belongings.
What are the requirements for movers who operate in multiple states?
Interstate movers are subject to regulation by the Federal Motor Carrier Safety Administration (FMCSA). They must register with the federal government, obtain a USDOT number, and comply with all relevant rules and regulations.
You must supply your customers with the booklet "Your Rights and Responsibilities When You Move" and offer them two insurance options:
- Released value protection: Movers must offer this option at no additional charge. It protects each item for 60 cents per pound.
- Full value protection: This type of coverage costs more, but insures items for their replacement value.
In addition to federal laws, long-distance movers must comply with the regulations of each state in which they operate.
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