Insurance for moving companies from people who write movers.
Insurance for moving companies starts with the right program. Four moving company insurance programs, seven brokers who can get you into them, and what a mover is required to carry.
Moving company insurance programs.
Carriers and program administrators that write moving and storage as a core business. None of them sell direct. You reach them through a broker, which is the next list.
- 1natl.com
Vanliner Insurance
Insurance carrier · Richfield, OH
A carrier focused on moving and storage since 1978, part of Great American Insurance Group. Writes auto liability, physical damage, workers' compensation, umbrella, and movers and warehousemen's liability, with options from guaranteed cost up to group captives and an owner-operator plan.
- Best for
- Van line agents and mid-size to large fleets that want deductible or captive options.
- Sold through
- Appointed brokers.
- 2specialtyprogramgroup.com
Movers Choice
Program administrator · Napa, CA
An all-lines program written only for moving and storage, now part of SPG Transportation. Covers auto, general liability, property, cargo, warehouse legal liability, equipment, crime, umbrella, workers' compensation, and surety bonds under one program.
- Best for
- Independent and van line movers with a warehouse, and portable storage operators.
- Sold through
- Brokers only.
- 3iatinsurancegroup.com
IAT TransGuard
Insurance carrier
The moving and storage brand of IAT Insurance Group. One admitted package policy for household goods movers that combines motor carrier liability, physical damage, property, crime, cargo, warehouse legal liability, and general liability. Has specific programs for military household goods movers.
- Best for
- Movers that want one package policy, including those with military work.
- Availability
- All states except Massachusetts and Hawaii. Sold through agents.
- 4rlicorp.com
RLI Transportation
Insurance carrier
An admitted carrier with a moving and storage program that publishes its limits: $1M auto liability standard, cargo and warehouse legal liability up to $500,000 or $1M, and $1M per occurrence general liability. Handles state and federal filings and military SCAC filings.
- Best for
- Established movers with a warehouse, and movers that need military filings.
- Availability
- Not available in Massachusetts, Alaska, or Hawaii. Sold through appointed agents.
Insurance brokers for moving companies.
This is where you actually buy. A specialist broker knows which program fits your fleet and handles the filings.
- 5championrisk.com
Champion Risk & Insurance Services
Independent broker · San Diego, CA
An independent broker whose site is built around moving and storage, licensed in all 50 states. Places auto, cargo, warehouse legal liability, workers' compensation, umbrella, and bonds, handles federal filings, and covers California permit requirements.
- Best for
- Small and mid-size independent movers nationwide, and California movers.
- 6hylant.com
Aegis Insurance Services (MoveShield)
Broker with a mover program · Alpharetta, GA
A team that works only on moving and storage, powered by Hylant and staffed by former moving company owners and managers. The MoveShield program covers auto, cargo, warehouse, workers' compensation, military requirements, record storage, and bonds.
- Best for
- Van line agents, military household goods carriers, and international movers.
- 7alliant.com
Alliant Insurance Services
National broker
A large broker with a moving and storage practice. Covers motor carrier liability, cargo and warehouse, property, umbrella, and owner-operator programs, plus all-risk coverage for your customers, group captives, and large deductible programs.
- Best for
- Larger independents, van line agents, and movers considering a captive.
- 8epicbrokers.com
EPIC Insurance Brokers & Consultants
National broker
A moving and storage practice that has served the industry for over 20 years. Covers motor carrier liability, cargo and warehouse, customer all-risk coverage, workers' compensation, and an owner-operator program, on first-dollar, captive, or retro plans.
- Best for
- Independent movers and van line agents that use owner-operators.
- 9hubinternational.com
HUB International
National broker
A large broker with a moving and storage practice inside its transportation group. Covers motor carrier and cargo liability, warehouse liability, workers' compensation, and owner-operator coverage.
- Best for
- Movers with significant storage.
- 10thehortongroup.com
The Horton Group
Broker and risk advisor · Orland Park, IL
A consulting-style broker, now part of Marsh McLennan Agency. Adds training on customer coverage options, warehouse limit reviews, contract review, and job-site audits to the insurance placement.
- Best for
- Larger operators. The program is for movers with more than 20 trucks.
- 11getbayview.com
BayView Insurance Services
Retail agency · Livermore, CA
A California agency that insures moving companies only, founded in 2010 by a former moving company owner. Covers commercial auto, general liability, cargo, workers' compensation, umbrella, and storage, and knows the state regulator's requirements.
- Best for
- Small local and intrastate California movers.
- Availability
- California only.
Insurance you offer your customers.
A different job. This is third-party moving insurance your customer buys on top of, or instead of, your valuation coverage.
- relocationinsurance.com
Relocation Insurance Group
Third-party moving insurance · New Jersey
Sells all-risk moving, storage, and full value protection insurance online, together with MovingInsurance.com. Movers join as affiliates, customers buy the policy, and the agency's own claims team handles the claims.
- Best for
- Established movers that want to offer customers real insurance. Affiliates need at least one year in business.
- Pricing
- Commission rates not published.
A general option for small fleets.
Not a mover specialist, but a workable starting point for a small local mover.
- progressivecommercial.com
Progressive Commercial
Insurance carrier
Lists household movers among the trucking businesses it covers, with primary liability, motor truck cargo, and general liability. Sold direct and through agents.
- Best for
- Small local movers.
- Limits
- Does not insure fleets of more than 20 vehicles or long-distance operations.
Listings checked November 2026. Details change, so confirm pricing and terms with each company before you sign. Spot something wrong or missing? Email info@themovinglab.com.
The coverage a moving company carries.
The federal filing minimums are low. A single damaged shipment can pass them. Specialist programs quote cargo limits a hundred times higher for a reason. These are the lines to ask a broker about. General liability has its own guide: moving company liability insurance.
Commercial auto liability and physical damage for every truck.
Cargo, for customer goods while they are on the truck.
Warehouse legal liability, for goods in storage.
General liability, for damage at the customer's home or building.
Workers' compensation for crews.
Umbrella, plus occupational accident if you use owner-operators.
Common questions
Short answers for owners buying or renewing moving company insurance.
At a minimum: commercial auto liability, cargo coverage for customer goods, general liability, and workers' compensation for crews. Movers with storage add warehouse legal liability. Most also carry an umbrella policy. Interstate movers must have their insurer file proof of auto liability and cargo coverage with FMCSA.
For trucks of 10,001 pounds or more, $750,000 in public liability. For household goods carriers, cargo coverage of $5,000 per vehicle and $10,000 per occurrence. Your insurer files the forms with FMCSA: BMC-91 or BMC-91X for liability and BMC-34 for cargo. If you only run lighter vehicles, confirm your liability minimum with FMCSA or your agent.
No. They are filing minimums, not a sensible limit. A $10,000 cargo minimum does not cover one full household. Specialist programs commonly quote cargo and warehouse limits of $500,000 to $1 million.
No. The mover-specific carriers and programs on this page sell through appointed brokers and agents. Pick a broker that works with movers, and ask which of these programs they can access.
Valuation is your liability as the carrier. Full value protection is the default on interstate moves, and the customer can waive it in writing for released value at 60 cents per pound per article. Moving insurance is a separate policy from an insurance company that the customer buys. Federal rules limit when and how a mover can sell it.
General liability insurance for a moving company covers injury and property damage your crew causes on the job, such as a gouged floor or a damaged elevator. It does not cover the customer's goods on the truck, which is cargo coverage, or goods in your warehouse, which is warehouse legal liability. Most movers need all three.
We started from the Moversville vendor directory and the California Moving and Storage Association supplier list, then checked each provider's own site for a stated moving and storage program. General insurers with no mover program were left off.
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