Frequently asked question
Moving Insurance, we know movers often have questions about coverage, compliance, and costs. Whether you’re a small local mover in California or a nationwide relocation company, understanding moving company insurance requirements can feel overwhelming. That’s why we’ve compiled answers to the most common questions about general liability insurance for moving companies, cargo insurance, and other essential coverages.
Our goal is to make sure every moving business—big or small—has the clarity and confidence to operate as a licensed and insured moving company anywhere in the USA.
Most moving companies require general liability insurance, cargo insurance, and in many cases workers’ compensation insurance. Many also choose a Business Owner’s Policy (BOP) for combined protection.
In California, movers must carry general liability insurance and workers’ compensation if they employ staff. A moving company insurance certificate is also required to prove coverage for contracts and licensing.
Cargo insurance for moving companies protects customer belongings while in transit. If items are lost, stolen, or damaged during the move, this coverage helps pay for replacements or repairs.
The cost of moving company insurance varies depending on company size, number of employees, and coverage needs. Small movers may pay a few hundred dollars per year, while larger operations may spend several thousand.
Once your insurance policy is issued, your provider can quickly supply a certificate of insurance. Many clients require a COI before allowing movers on their property.
While general liability insurance for moving companies protects against third-party injuries and property damage, it doesn’t cover customer belongings. Pairing it with cargo insurance is highly recommended.
Yes. Being a licensed and insured moving company builds trust and credibility. Many landlords, offices, and customers only hire movers who provide proof of insurance.
If you carry workers’ compensation insurance, medical bills and lost wages are covered. Without it, you could face lawsuits, fines, or out-of-pocket expenses.
Operating without moving company insurance coverage is risky and often illegal. You may face license suspensions, fines, or lawsuits if something goes wrong.
Yes. Every state has its own moving company insurance requirements, but across the USA, most movers must carry liability, cargo, and workers’ compensation coverage to operate legally and safely.