Moving Company Insurance Coverage

Moving companies face unique challenges every day. From property damage to transportation risks, Harper Insurance understands the complex exposures that moving businesses encounter while handling customer belongings, operating heavy equipment, and managing interstate operations.

Our comprehensive moving company insurance policies are specifically designed for companies involved in household goods moving, commercial relocations, and storage services. Whether you operate a local moving service or manage a national moving network, we provide tailored coverage solutions that protect your equipment, employees, and customer relationships.

Essential Moving Company Insurance Types

Motor Truck Cargo Insurance

Critical protection for customer belongings during transport. Covers loss or damage to household goods and commercial property while in your care, custody, and control during the moving process.

Commercial Auto Insurance

Comprehensive coverage for moving trucks, box trucks, and company vehicles. Includes liability protection, physical damage coverage, and specialized equipment coverage for hydraulic lifts and moving apparatus.

General Liability Insurance

Protects against third-party injury and property damage claims occurring during moving operations. Essential coverage for customer property damage, premises accidents, and equipment-related incidents.

Workers' Compensation Insurance

Mandatory coverage for employee injuries in physically demanding moving environments. Covers medical expenses and lost wages for injuries from heavy lifting, equipment operation, and transportation accidents.

Commercial Property Insurance

Covers your business facility, warehouse space, office equipment, and moving supplies. Includes protection for packing materials, dollies, straps, and specialized moving equipment against covered perils.

On-Hook Coverage

Specialized protection for vehicles being transported on flatbed trucks or car carriers. Essential for moving companies offering vehicle transportation services as part of relocation packages.

Bailee Coverage

Enhanced protection for customer property stored in your warehouse or storage facility. Covers theft, fire, water damage, and other perils affecting customer belongings in your custody.

Professional Liability Insurance

Protection against errors and omissions in moving services. Covers claims arising from scheduling failures, delivery delays, improper packing procedures, and service delivery disputes.

Moving Services We Cover

Residential Moving Services
Specialized coverage for household goods moving including local and long-distance relocations, packing services, and temporary storage with appropriate cargo protection limits.

Commercial & Office Moving
Comprehensive protection for business relocations including equipment moving, computer system transport, and specialized commercial property handling with enhanced liability coverage.

Long-Distance & Interstate Moving
Enhanced coverage for interstate moving operations including DOT compliance requirements, multi-state licensing, and specialized cargo protection for cross-country relocations.

Storage & Warehousing Services
Protection for storage facility operations including customer property protection, climate control system failures, and warehouse security incident coverage.

Specialty Item Moving
Coverage for high-value items including pianos, antiques, artwork, and fragile items requiring specialized handling procedures and enhanced cargo protection.

Corporate Relocation Services
Professional liability coverage for employee relocation services including temporary housing coordination, destination services, and comprehensive relocation management.

Moving Company Risk Factors

Customer Property Damage
Damage to household goods, furniture, and personal belongings during packing, loading, transport, or delivery operations resulting in expensive replacement costs and customer disputes.

Transportation & Vehicle Risks
Moving truck accidents, cargo shifts during transport, equipment failures, and vehicle breakdowns that can damage customer property and create liability exposures.

Employee Injury Exposures
Back injuries, lifting-related accidents, equipment operation injuries, and transportation-related incidents common in the physically demanding moving industry environment.

Premises & Warehouse Risks
Customer injuries at your facility, storage area accidents, theft from warehouse facilities, and property damage affecting stored customer belongings.

Regulatory Compliance Issues
DOT violations, interstate commerce regulation failures, licensing requirement gaps, and safety regulation non-compliance that can result in fines and operational restrictions.

Seasonal Business Fluctuations
Peak moving season challenges, temporary employee risks, equipment demand variations, and scheduling pressures during high-demand summer moving periods.

Get Your Moving Company Insurance Quote

Protect your moving business with comprehensive coverage designed for your industry. Our experienced agents understand moving company risks and will work with you to build a protection plan that covers your specific operations, equipment, and customer property exposures.

Key Benefits of Working with Harper:

• Specialized moving industry expertise
• DOT compliance guidance and support
• Competitive cargo coverage solutions
• Expert customer property claims handling
• Coverage that scales with seasonal needs

Ready to protect your moving company? Contact Harper Insurance today for a comprehensive quote tailored to your moving operations and transportation requirements.