What insurance does a moving company / mover need?
Not all professions face the same risks. Below is a breakdown of every coverage type relevant to moving company / movers — what each one covers, whether it's required, and what you should expect to pay in 2026.
Cargo LiabilityRequired
$80–$200/mo
Core protection for movers. Covers client belongings against damage, breakage, and loss during the move.
General LiabilityRequired
$60–$150/mo
Covers property damage at pickup and delivery locations and third-party injuries.
Commercial AutoRequired
$150–$400/mo
Covers your moving trucks and cargo during transit.
Workers CompensationRequired
$100–$250/mo
Required for employees. Moving involves significant back injury, fall, and heavy lifting risks.
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Top risks for moving company / movers
- Damaged furniture or belongings
- Property damage at client home
- Employee injury during move
- Vehicle accident
- Lost or stolen items
How much does insurance cost?
Most moving company / movers pay $200–$600/month for a complete coverage package. Your exact cost depends on your state, annual revenue, whether you have employees, your claims history, and the coverage limits you choose.
Frequently asked questions
What cargo liability are movers legally required to offer?
Under federal law, interstate movers must offer Released Value Protection (60 cents/pound) at no charge and Full Value Protection as an option. These are consumer protections, not full insurance for your business.
What if we break an antique or high-value item?
High-value item damage claims can be costly. Cargo liability insurance covers damaged goods — consider higher limits or specialty coverage if you frequently move high-value items like antiques or art.
Do I need a USDOT number to operate as a mover?
Yes. Interstate movers must have a USDOT number and are regulated by FMCSA. Most states also require intrastate movers to register. Insurance requirements follow regulatory requirements.
How to get the best rate
The fastest way to find the lowest rate is to compare multiple carriers side by side. Most moving company / movers can get quotes from 3–5 insurers in under 10 minutes and receive their certificate of insurance the same day.