🏠

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

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.

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.

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.

Reviewed by

Nazar Mamaev

President, Full Coverage LLC

TRIP, CDS, TRS Certified · Licensed in 47 States

Nazar Mamaev is a certified trucking insurance broker who has helped thousands of motor carriers find the right coverage at competitive rates.

Indianapolis, IN·317-427-5599·Get a Quote

Get a Quote for Your Moving Truck

We compare rates from 30+ A-rated carriers to find the best coverage for your moving truck operation.

Get a Free Quote Call 317-427-5599