Moving Business Insurance
Specialty liability insurance solutions tailored to your needs.
Get StartedTurn to XINSURANCE when other carriers deny, cancel, or non-renew your liability insurance.
We specialize in providing moving companies with access to essential liability coverage when they need it most, ensuring continuous protection without interruption.
The Importance of Moving Business Insurance
Moving people’s items from one place to another is a lucrative business in great demand. However, it’s also risky as it can be easy to accidentally damage another person’s property. Since you can rarely be sure exactly how much the items you’re moving are worth, you must exercise extreme care with each job. Accidents still can happen, though, and that’s why insurance for moving companies is crucial.
XINSURANCE provides customized insurance solutions for moving and storage companies that minimizes exposure and maximizes true peace of mind. You can have an all-in-one policy that provides customized coverages built into one policy or we can fill the gaps and cover the exclusions in your existing insurance policy. Whatever you need, we can help to find the best moving business insurance solution for you!
Who We Can Help
Moving business insurance is essential for a wide range of professionals and entities within the moving industry to safeguard against the potential risks and liabilities that come with transporting clients’ belongings. Here are key parties who should have moving business insurance:
- Moving Companies
- Independent Movers
- Storage Companies
- Specialty Movers
- And More!
Moving Business Insurance Coverage Options
Commercial General Liability
Provides coverage for injuries and property damage sustained by third parties.
Commercial Auto*
Provides auto liability coverage for your company-owned or personally-owned vehicle primarily used for business purposes. Learn more.
*Available in most states
Property Coverage
Covers the building and its contents from weather-related risks, vandalism, theft, and more. Learn more.
Professional Liability
Coverage for claims regarding negligent acts and more. Learn more.
Bailee Coverage
Covers physical damage while loading and unloading others’ property.
Motor Truck Cargo
Covers physical damage while transporting goods.
Hired & Non-Owned Auto*
Covers expenses for third-party property damage and bodily injury when an accident occurs with a vehicle, used for business purposes, that isn’t owned by the company.
*Available in most states
Inland Marine
Can provide physical damage protection for applicable equipment while it is being rented, stored, or transported. It can provide financial assistance in case of accidents, malfunctions, and limited theft coverage.
Active Shooter Liability
Liability protection in the event of an active shooting taking place on company property. Learn more.
Alleged Assault and Battery Liability
Coverage for claims against you regarding assault and/or battery.
Alleged Sexual Abuse and Molestation Liability
Coverage for claims against you regarding sexual abuse and/or molestation.
Communicable Disease Liability
This is a policy enhancement that provides coverage for negligent exposure to any Declared Pandemic Disease or Pathogen, including COVID-19. Learn more.
Directors and Officers (D&O) Liability
Protects people from personal losses if they are sued as a result of serving as a director or an officer of an organization. Learn more.
Personal Liability
Personal liability protection in the event of an accident and a claim is made against you. Learn more.
Riot and Civil Commotion Liability
Liability protection against claims made from a riot or civil commotion.
TRU Umbrella
Additional coverage to fill the gaps and cover the exclusions in your existing policy. Learn more.
How To Get A Quote
Request Your Quote
Click the button below to get started on your quote
Specify Your Needs
We’ll schedule a call with you to consult on your needs, and collect more details
Get Your Custom Quote
We’ll use all the information provided to craft a highly personalized quote to address all of your specific insurance needs in one comprehensive policy
FAQs About Moving Business Insurance
What is moving business insurance?
Moving business insurance, sometimes referred as movers insurance, is a specialized form of insurance tailored to meet the unique risks and liabilities faced by businesses involved in the moving and storage of personal or commercial items. It aims to protect moving companies from financial losses that can arise from property damage, accidents, or lawsuits resulting from their operations.
Why do I need moving business insurance, and is it required by law?
Moving business insurance is necessary to safeguard your business from potentially devastating financial losses due to claims or lawsuits. While specific insurance requirements vary by location, most states have regulations in place that require moving companies to carry a minimum amount of liability insurance to operate legally. Additionally, having insurance enhances your credibility with clients.
Is temporary storage covered under movers insurance?
yes, our movers insurance solutions can be tailored to include coverage for goods stored temporarily during the moving process. It is important to confirm the details and extent of this coverage with us.
Can I be insured if I've been dropped or rejected by an insurance company?
Yes, XINSURANCE can help you even if you’ve been declined, canceled, or non-renewed by an insurance company. We step in to provide an insurance solution when others can’t or won’t.
Are my employees covered under moving business insurance?
Generally, moving business insurance covers your employees in terms of liability when they are acting within the scope of their employment. However, we do not provide workers’ compensation insurance, which covers employee injuries on the job.
What are some examples of insurance claims related to moving companies?
There are several ways a moving company can find itself facing a lawsuit. The most common reasons are:
- Damaging the items that the company is moving
- Damaging the property – for example, damaging walls, door frames, and other areas of the home while carrying furniture
- Causing injury by leaving trip hazards such as boxes in public walkways
- Not fulfilling your contact obligations sufficiently
- Accidents while driving the vehicle used for moving items
While you can minimize your risk by ensuring you follow all safety protocols and ensuring you have sufficient, experienced movers for each job, accidents can still occur. This is where your insurance for house movers comes in.
How much does moving business insurance cost?
The cost of moving business insurance varies widely and depends on several factors, including the size of the operation, the number of employees, the coverage limits, the type of cargo transported, the geographical areas served, claims history, and more.
It’s best to contact us and tell us more about your business so we can provide a more accurate, personalized quote.
What our clients say
Insurance for all activities. Excellent product with total coverage for WHEN you need that extra help.
THIS IS INSURANCE I CAN TRUST TO PROTECT ME!
– Dave H.
They are amazing and always there to help you if you have any questions or concerns.
– Arlene A.
XINSURANCE is very easy to deal with. We didn’t have to wait forever for the information we needed. And the whole process of finding a plan that worked for us was almost too easy.
– Leslie A.
Your Trusted Team for Tackling the Unexpected
Fighting for You Is What We Do Best
At XINSURANCE, we believe in taking an active role in defending the interests of our customers. When an insured is facing challenges such as frivolous lawsuits or unfounded charges, we take pride in staying by their side.
Unique Requirements Are Our Specialty
XINSURANCE specializes in covering the extraordinary cases that other agents lack expertise in. If you need something insured and can’t find a policy for it anywhere else — chances are our team will know exactly how to get you coverage for it.
Built-For-You Flexibility & Dedicated Support
The XINSURANCE approach to coverage is anything but “one size fits all.” Our specialty insurance experts work one-on-one with you to fully understand your circumstances, insurance needs, and high-risk areas up front. This means that by the time your policy is issued, we're fully prepared to support you through the worst-case scenarios — not drop you when an incident, claim, or lawsuit occurs.
More of Your Coverage - All in One Place
Though your policies won’t be “one size fits all,” XINSURANCE does take an all-in-one approach to insurance. This means that instead of buying several policies, we’re able to offer coverage solutions for your various needs all in one plan.
What You Can Expect From Our Team
Insurance solutions tailored to your needs
Expansive coverage options
Expert support when facing frivolous charges
Dedicated support & service
Professional Liability
We provide professional liability insurance solutions that can include coverage for negligence or alleged negligence, harmful advice, personal injury, libel and slander, actions of employees, claims from past services, and more.
Small Businesses
We can provide customized liability insurance solutions tailored to your business’s unique needs. Even if another insurance company has declined, canceled, or non-renewed your business, we can still help you!
TRU Umbrella
TRU Umbrella coverage is customized to fit your unique needs by filling the gaps and covering the exclusions in your primary policy for work, home, and play.
