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Moving & Household Goods

Insurance for moving companies.

Movers handle other people's belongings, in the home, on the truck, and sometimes in storage. That makes cargo, general liability, and household-goods exposure the center of the program, with its own authority rules.

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Moving company insurance combines auto liability, motor truck cargo written for household goods, general liability for in-home and loading exposure, and warehouse or storage coverage where applicable, with household-goods authority and filing requirements when operating for hire across state lines.

Household goods cargo

Movers are responsible for customers' belongings, so cargo coverage written for household goods, with the right valuation and limits, is central. The way damage and valuation are handled in moving is specific, and the coverage has to match what customers expect and what the law requires.

In-home and premises exposure

Moving creates general liability exposure inside customers' homes, loading, carrying, property damage, and injuries, that a pure auto policy does not address. General liability is a core part of a mover's program.

Storage, authority, and filings

Many movers store goods, which adds warehouse or storage exposure, and interstate household-goods movers face specific FMCSA authority and filing requirements. We line up the coverage with how you operate and verify the authority side with the FMCSA.

Frequently asked

Common questions.

What insurance does a moving company need?
Generally auto liability, motor truck cargo for household goods, general liability for in-home and loading exposure, and warehouse coverage if you store goods, plus authority and filings for interstate moves.
Is customers' property covered while we move it?
Cargo coverage written for household goods is what responds, and valuation rules in moving are specific. We make sure the coverage matches what you handle and the law requires.
Do interstate movers need special authority?
Yes. Household-goods movers operating for hire across state lines face specific FMCSA authority and filing requirements. Verify the current rules with the FMCSA.
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Does your coverage match how you run?

Tell us your operation, authority, radius, and cargo and we will check your liability, cargo, physical damage, and filings against how you actually operate. Educational, no obligation.

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We match coverage to your operation and cargo
We check filings, radius, and contract requirements
We line up liability, cargo, and physical damage
You get a clear read, no obligation
Related resources

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Coverage

Motor Truck Cargo

The freight you haul.

Coverage

Truckers General Liability

In-home and loading exposure.

Coverage

Primary Liability

The core auto liability filing carriers require.

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Coverage for movers and household goods.

Tell us how your moving operation runs and we will build coverage that fits.

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