Commercial Auto Insurance
Covers moving trucks and vans for accidents while driving between job sites.
How it worksTransportation
Insurance for Moving Companies
Coverage that protects your trucks, crews, and customers' belongings on every job.
One application, shopped to our A-rated carrier network. Number of offers depends on carrier appetite for your class, state, and loss history.
What underwriters look at
Moving companies take on a unique kind of trust: customers hand over furniture, heirlooms, and household goods and expect them to arrive undamaged. When something breaks, gets lost, or is damaged in transit, the moving company is typically the one held responsible, which is why cargo and bailee's coverage are central to a mover's insurance program rather than an afterthought.
Physical labor adds to the exposure. Moving heavy furniture up stairwells and through tight doorways is one of the more injury-prone jobs in the transportation sector, and workers' compensation claims for strains, falls, and lifting injuries are common. Movers also drive box trucks in unfamiliar neighborhoods, often navigating narrow streets and parking in less-than-ideal spots.
Many moving companies also offer packing, storage, and long-distance interstate moves, each of which can carry its own regulatory and liability wrinkle. A mover operating across state lines, for example, typically faces federal requirements in addition to whatever a given state expects.
Damaged or lost household goods
Furniture, electronics, and personal items can be damaged during loading, transit, or unloading, and customers generally expect compensation for their declared value.
Employee lifting and strain injuries
Moving heavy items up stairs and through doorways is physically demanding work, and back, shoulder, and knee injuries are among the most common workers' comp claims in the trade.
Vehicle and property damage during a move
Trucks and dollies can scrape walls, dent floors, or damage a customer's driveway or building, creating liability claims separate from the goods being moved.
Interstate and long-distance regulatory exposure
Movers crossing state lines typically face federal licensing and insurance filing requirements on top of standard state rules, and gaps can delay or shut down operations.
The coverage stack for moving companies
Most owners in this class start here. A licensed agent will confirm what your contracts, state, and payroll actually require.
General Liability Insurance
Covers property damage caused at a customer's home, like a scraped wall or damaged doorway.
How it worksWorkers' Compensation Insurance
Covers lifting and strain injuries common among moving crews in most states.
How it worksCommercial Property Insurance
Protects owned equipment, dollies, and inventory stored at your warehouse or yard.
How it worksCommercial Umbrella Insurance
Adds extra liability protection for larger commercial or long-distance moving jobs.
How it worksWhat it typically costs
Moving company premiums vary based on crew size, truck count, and whether you handle local moves, long-distance jobs, or both.
| Business size | Typical annual range |
|---|---|
Local mover, 1–2 trucks Covers a small crew doing in-town residential and light commercial moves. | $8,000 – $16,000 / yr |
Regional mover, 3–8 trucks Reflects a growing crew handling both local and some longer-distance jobs. | $35,000 – $80,000 / yr |
Long-distance/interstate mover, 10+ trucks Interstate operations often add federal filing requirements and higher cargo limits. | $95,000 – $250,000+ / yr |
Illustrative ranges only. Premium varies by state, carrier, limits, payroll, and loss history — it is not a quote.
What moves your premium
- Number of trucks and crew size
- Local versus long-distance/interstate operations
- Declared value coverage offered to customers
- Claims and damage history
- Employee training and safety practices
- Storage or warehousing services offered
Moving Companies insurance questions
Ready to compare moving companies quotes?
One application. Up to 10 competing quotes from A-rated carriers. A licensed agent presents your best options, usually within one business day.