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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 insurance solution for you!

insurance for moving and storage companies
insurance for moving and storage companies


Who Can We Help?

XINSURANCE provides customized liability insurance solutions for businesses and individuals. We can help the following:

  • Moving companies
  • Storage companies
  • Storage units
  • House movers
  • And more!

What Can Moving Insurance and Storage Insurance Cover?

We have an all-in-one approach for moving insurance and storage insurance that can provide all coverages under one policy. If you have gaps and exclusions in your current policy, we can cover those as well. Examples include:

  • Commercial general liability: Provides coverage for injuries and property damage sustained by third parties.
  • Commercial auto (available in most states): Provides auto liability coverage for your company-owned vehicle or personally-owned vehicle that is primarily used for business purposes.
  • Hired & non-owned auto (not available in all states): 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.
  • Equipment rental liability: Coverage for accidents caused by rented equipment.
  • Motor truck cargo: Covers physical damage while transporting goods.
  • Bailee coverage: Covers physical damage while loading and unloading others’ property.
  • Property coverage: Covers the building and the contents within it from fires, storm or wind damage, vandalism, and theft.
  • Premises liability: Protects against claims for slips, trips, and falls on the property due to negligence.
  • Individual liability: Personal liability protection in the event of an accident and a claim is made against you.
  • Alleged assault and battery liability: Protection against claims for assault and battery.
  • Alleged sexual abuse and molestation liability: Protection against claims for sexual abuse or molestation.
  • Communicable disease coverage: This is a policy enhancement that provides coverage for negligent exposure to any Declared Pandemic Disease or Pathogen, including COVID-19.
  • Riot and civil commotion liability coverage: Liability protection against claims made from a riot or civil commotion.
  • Active shooter liability coverage: Liability protection in the event of an active shooting taking place at company property.
  • Tru Umbrella: Coverage for exclusions and gaps in your current coverage.
  • And more: We provide customized coverage so let us know everything you want to have covered and we can find a policy that suits your needs!

Please note that we do not provide workers’ comp.

Common Types of Moving Claims

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 people for each job, accidents can still occur. This is where your insurance for house movers comes in.


XINSURANCE is an insurance partner providing specialty liability insurance solutions, powered by Evolution Insurance Brokers, LC (“EIB”), an excess and surplus lines insurance brokerage. We can offer custom solutions despite a claims history or when an individual or business has been denied, canceled, or non-renewed by another insurance carrier.

XINSURANCE is your partner. You’ll know that when the unexpected occurs, that we are a true partner providing insurance solutions and defending you when a claim is made. We offer customized solutions so not only can we fill the gaps of your primary coverage but we can also provide Tru Umbrella coverage.

Why Should You Choose XINSURANCE for Movers Insurance and Storage Insurance?

Homeowners insurance provides coverage in many essential areas, but liability is an area where it falls short. Most homeowner policies impose very low limits or exclusions. Or they may not even cover liability insurance at all. For peace of mind, you need specialty move insurance.

We analyze your operations and experience level to find you the best, comprehensive coverage for your requirements. As specialist brokers, we can even offer solutions to those who have been denied insurance before or those who have a claims history.

From third-party physical injury to third-party property damage and much more, you can be reassured that the coverage will be sufficient for your requirements.

Get A Free Quote

Get your free movers insurance quote or storage company insurance quote today. We’ll also be happy to review your current coverage to identify gaps and exclusions that could leave you vulnerable – it’s also free and no obligation. Get started today!

With XINSURANCE, you can purchase customized liability insurance coverage that will protect you in all the areas that your homeowners, employers, and business insurance policies won’t or can’t. Our underwriting team brings you over 40 years of experience, along with the ability to offer customized limits, coverage, deductibles, and premiums to create the perfect plan for your personal protection.

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