Start with how the operation runs
Moving businesses combine road risk with customer property in custody, employee lifting, residences and commercial premises, temporary storage, packing, valuation agreements, and damage allegations.
Coverage areas to review
- Commercial auto liability and vehicle physical damage
- Cargo or legal liability suited to household goods and contracts
- General liability for work at customer locations
- Workers' compensation, warehouse or storage protection, and umbrella or excess
Information to prepare
- Vehicles, drivers, radius, moves, and annual mileage
- Maximum load value, storage, packing, and specialty-item practices
- Customer agreements, valuation choices, inventories, and claims procedures
- Employees, subcontractors, equipment, training, and loss history
Questions to answer before quoting
- Are goods stored overnight or in a warehouse?
- Are pianos, artwork, antiques, safes, electronics, or other specialty items moved?
- How are inventories, condition, custody, and customer valuation choices documented?
Frequently asked questions
Is a mover's responsibility the same as ordinary cargo insurance?
Not necessarily. Household-goods regulations, bills of lading, valuation choices, contracts, and policy terms should be reviewed together.
Should packing services be disclosed?
Yes. Packing, crating, disassembly, installation, storage, and subcontracted work can affect liability and property exposures.
Coverage, filings, eligibility, limits, deductibles, exclusions, and availability vary by authority, contract, operation, driver, equipment, jurisdiction, and insurance market. Actual policy and regulatory requirements control.