Moving Company Insurance

Moving Company Insurance

Get movers liability insurance and protect your small business from accidents, losses, and other liabilities

Zensurance - Moving Company Insurance

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Insurance for moving companies

Moving company insurance covers moving businesses from the risks and liabilities they face when providing moving-related services.

Movers can be liable for:

  • The services and advice they provide to customers that cause physical or financial damages
  • Damages to or losses of furniture and goods while in your care, custody, and control, whether in transit or stored at your or a third-party facility
  • Damages to third-party property during a move
  • Injuries to third parties, such as customers, bystanders, or passersby during a move
  • Damages to items inside boxes that were packed or unpacked by your employees
  • Injuries or damages to others or their property because of an auto accident
  • Data breaches or cyber-attacks that compromise your customers’ confidential information
  • Damage to or loss of equipment your company rents, leases, or borrows

A customized moving company insurance policy from Zensurance can shield your moving business’s finances and reputation if or when an unexpected accident or incident occurs.

Comprehensive business insurance for moving companies may include the following coverages:

  • Commercial General Liability (CGL) Insurance: Also called general liability insurance or slip-and-fall insurance, CGL covers your moving business from claims related to third-party bodily injuries and third-party property damage resulting from your company’s usual activities. For instance, if a door frame at a customer’s home is damaged by your moving crew while lifting a large piece of furniture in or out of the building, CGL may cover the cost of repairing or replacing the damaged door frame.
  • Cargo Insurance: Cargo insurance protects your moving company’s goods against damage, loss, or theft while in transit. It applies while the goods are in your care, custody, and control. Depending on the insurer, some modes of transportation may not be covered, such as those by sea or air. Additionally, some policies do not cover transporting hazardous materials, chemicals, or highly valuable items like fine art.
  • Commercial Auto Insurance: All moving companies and business owners should have commercial auto insurance to protect their moving vans and other vehicles used for business purposes, including trailers. Commercial auto protects your moving company from financial losses due to third-party bodily injuries and third-party property damages involving your vehicle if you’re involved in an accident or collision for which you are at fault. 

You can add optional coverages to a commercial auto policy to enhance your financial protection. Among the most popular options are collision or upset insurance (pays to repair or replace your moving van following a collision with another vehicle or a stationary object regardless of who’s at fault), comprehensive insurance (covers damages to your moving van caused by extreme weather, fire, theft or vandalism), or all-perils insurance (a combination of collision and comprehensive coverages).

If your business has five or more moving vans or trucks, purchasing a commercial fleet vehicle insurance policy might be more economical.

  • Professional Liability Insurance: Professional liability insurance, or errors and omissions (E&O) insurance, covers your moving company for claims or allegations of professional negligence, mistakes, misrepresentation, misconduct, and failing to deliver a service as promised. It is designed to cover your legal fees, settlements, and customer damages from such claims.
  • Inland Marine Insurance: Inland marine insurance, also called heavy equipment insurance or tools and equipment insurance, protects high-end, expensive equipment or items transported by land or temporarily stored in third-party storage facilities. It protects them from damage or loss due to theft, vandalism, or collisions. Inland marine insurance complements cargo insurance during a move.
  • Commercial Property Insurance: Commercial property insurance covers your moving company’s office, warehouse, business contents (computers, office equipment, furniture) and inventory from losses and damages caused by fire, water, natural disasters, theft and vandalism. 
  • Cyber Liability Insurance: All businesses need cyber liability insurance to cover losses from cyber-attacks or data breaches. If your moving company has a website, uses email, a point-of-sale (POS) system, and stores customer information on a hard drive, server, or in the cloud, you need cyber liability insurance. It’s designed to pay for legal advice, notification and crisis management expenses, credit monitoring fees, and financial losses sustained due to a systems outage following a cyber-attack.

Different insurers charge various amounts for moving company insurance coverage. Insurers consider several factors about your moving business when determining a price for your policy, including:

  • Your location
  • The number of moving vans or trucks you have, and the makes and models of each
  • How many employees you have, how many employees drive your vehicle(s), and what their driving records show
  • The types of moving services you provide (pickup and delivery, storage, packing and unpacking, loading and unloading)
  • Your years of experience
  • The tools and equipment you own, rent, or lease
  • Your annual and projected revenue
  • Your insurance claims history

Regardless of the types of services your moving company provides, and how cautious you are, your business is exposed to a broad range of liability risks. All moving companies should get a comprehensive insurance policy, including:

  • Residential moving companies
  • Commercial moving companies
  • Industrial moving companies
  • Local moving companies
  • Long-distance moving companies
  • Speciality moving companies
  • Household moving companies

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Common claims scenarios

Problem: While temporarily storing a commercial customer’s furniture overnight at a third-party storage facility to deliver the next day, thieves break into the warehouse and steal your customer’s belongings.

: Inland marine insurance may pay to replace the customer’s stolen furniture and belongings.

Office Wet Floor Sign

Problem: A customer visiting your company’s office or warehouse slips and falls, sustains injuries and requires medical assistance. They file a liability claim against you for medical expenses, pain, and suffering.

: Commercial general liability insurance may cover the injured customer’s medical and rehabilitation expenses.

Movers handling boxes

Problem: While packing a residential customer’s fragile dishware, your employee improperly labels the box, damaging the items inside.

: Commercial general liability insurance may pay to replace the customer’s damaged or destroyed dishware.

Frequently asked questions

What is the difference between liability insurance and cargo insurance for moving companies?

Liability insurance (such as general liability or commercial auto insurance) covers damages and injuries to third parties, while cargo insurance covers damage or loss of customers’ belongings while in transit.

Do moving companies need insurance for their storage facilities?

Yes. Any moving company offering storage services needs coverage for their storage facilities, including commercial property insurance to protect the facility and general liability insurance to cover third-party injuries or property damage on the premises.

Does moving company insurance cover damage caused by improper packing or handling by customers?

No. Your coverage may not extend to damage caused by customers’ improper packing or handling of goods. Educate your customers on proper packing techniques and offer professional packing services to minimize the risk of damage to their belongings.

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