Moving company liability insurance in plain words.
Moving company liability insurance pays when your crew damages a customer’s home or building, or someone gets hurt because of the job. Here is what it covers, what it leaves out, and who sells it.
What general liability insurance covers for a moving company.
General liability is the policy for damage and injury your work causes to other people and their property. For a mover that mostly means the house, the building, and the people in it.
Damage to the customer's home: gouged floors, dented walls, broken railings.
Damage to a building: elevators, lobby doors, hallways, loading docks.
Injury to a customer, neighbor, or passer-by caused by the job.
Legal defense when someone sues over that damage or injury.
The certificate of insurance buildings ask for before your crew can work.
What liability insurance does not cover.
This is where movers get caught. General liability does not protect the customer’s belongings, your trucks, or your crew. Each of those needs its own policy, covered on our moving company insurance page.
The customer's goods on the truck. That is cargo coverage.
Goods in your warehouse. That is warehouse legal liability.
Accidents involving your trucks. That is commercial auto liability.
Injuries to your own crew. That is workers' compensation.
Your own equipment, dollies, and blankets.
Where to get moving company liability insurance.
General liability is usually bought together with auto, cargo, and workers' compensation through a broker who works with movers. These are the specialists from our insurance list.
- championrisk.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.
- hylant.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.
- alliant.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.
- epicbrokers.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.
- hubinternational.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.
- thehortongroup.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.
- getbayview.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.
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.
Common questions
Short answers for owners buying general liability.
It is general liability insurance for a moving business. It pays for property damage and injuries your work causes to other people, such as a scratched hardwood floor, a damaged elevator, or a customer who trips over a ramp. It does not cover the items you are moving.
A common limit is $1 million per occurrence and $2 million in total per year, which is the standard published by at least one insurance program built for movers. Large buildings and commercial customers sometimes ask for more, which is what an umbrella policy is for.
Not by the federal filing rules. FMCSA requires interstate movers to file proof of auto liability and cargo coverage, not general liability. In practice you still need it: apartment and office buildings, property managers, and commercial customers ask for a certificate of insurance before they let a crew in. State rules vary, so check with your state regulator.
No. The federal requirement is public liability for your vehicles: $750,000 for trucks of 10,001 pounds or more. That is an auto policy. General liability covers what happens off the truck, inside the home or building.
Insurers do not publish prices for it. The premium depends on your revenue, payroll, services, and claims history, and it is usually quoted as part of a package with auto and cargo. Ask a broker who works with movers for quotes from more than one program.
It is a one-page proof of your coverage, issued by your broker, that names the building or customer. High-rise buildings, managed communities, and commercial clients often require one before move day, so ask your broker how fast they turn them around.
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