Moving Truck Insurance
Insurance for moving companies and household goods carriers handling interstate and local relocations.
What It Covers
- Liability coverage for moving truck operations
- Cargo / valuation coverage for household goods
- Physical damage for your moving trucks and equipment
- Bailee coverage for goods in storage
- Workers compensation for moving crews
- General liability for property damage at pickup and delivery
Who Needs This Coverage
Moving companies, household goods (HHG) carriers, interstate movers, and local relocation services. Moving operations handle customers' personal belongings, which creates significant liability for damage, loss, and theft during transport and storage.
Avg Fleet Size
1-20 trucks
Common Cargo
Household goods, furniture, personal belongings
Typical Coverage Package
- Primary Liability ($750K-$1M)
- Household Goods Cargo ($50K-$250K per shipment)
- Physical Damage (Comprehensive + Collision)
- General Liability
- Bailee / Storage Coverage
- Workers Compensation
Frequently Asked Questions
What is the difference between cargo and valuation coverage?
FMCSA requires movers to offer two levels: released value (60 cents per pound, included) and full value protection (replacement value, optional). Your cargo policy should cover your liability under both options.
Do I need storage coverage?
If you store customers' goods in your warehouse between pickup and delivery, yes. Bailee coverage protects you if stored goods are damaged by fire, theft, water, or other covered perils.
What about damage to customers' homes?
General liability covers property damage at pickup and delivery locations, like scratched floors, dented walls, or broken fixtures. This is separate from your auto and cargo policies.
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