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Moving Company Insurance

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5.0

Based on 158 reviews

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Moving company insurance packaged just for your business.

The “Risk Reality”: Transit & Theft

Movers face a dual threat: property damage and employee injury. A dropped piano or a stolen truck can cost thousands instantly. According to the Federal Motor Carrier Safety Administration (FMCSA), cargo theft and transit accidents are top risks, and federal law mandates specific cargo liability limits for interstate movers. Without the right “Motor Truck Cargo” policy, you could be paying for a client’s broken heirlooms out of your own pocket.

Moving Company Insurance Coverage

We build packages that cover the goods in your care, custody, and control.

What is Covered

General Liability: Covers third-party property damage (e.g., scratching a floor) and bodily injury at the job site.

Motor Truck Cargo: Essential coverage for the client’s items while they are on your truck.

Workers’ Compensation: Covers medical bills and lost wages if your movers are injured while lifting.

Commercial Auto: Covers your moving trucks in the event of an accident.

What is NOT Covered (Exclusions)

Poor Packing: Damage caused by improper packing may be excluded if you didn’t pack the boxes yourself.

Employee Theft: Requires a separate Fidelity Bond or Crime coverage endorsement.

The “Dream” Difference: Standard vs. Comprehensive

Most direct quotes only cover the basics in the left column. We shop multiple carriers to secure the critical add-ons in the right column that actually protect your livelihood.

Risk Area	Standard General Liability	Movers Package
Bodily Injury (Non-Employee)	✔ Covered	✔ Covered
Goods Damaged in Transit	✖ Excluded	✔ Covered (Cargo)
Employee Injury	✖ Excluded	✔ Covered (Workers Comp)
Truck Accident Damage	✖ Excluded	✔ Covered (Comm. Auto)

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Moving Company Insurance Cost

“How much does moving company insurance cost?” Premiums depend on fleet size, radius of operation (local vs. interstate), and payroll.

General Liability: Small movers often pay between $2,000 and $4,500 annually according to industry market data.
Commercial Auto: This is the most significant cost, often ranging from $3,000 to $8,000 per vehicle depending on driver history.
Workers’ Comp: Moving is a high-physical-risk class code, leading to higher rates per $100 of payroll compared to office jobs.

The “Independent Difference”: Why Dream Assurance?

One accident shouldn’t park your fleet permanently. “Independent Means Multiple Choices.”

Filing Assistance: We handle state and federal filings (BMC-91X) to keep your authority active.
Carrier Selection: We compare quotes from Progressive Commercial, Northland, and others to find the best rate for your fleet.
Claims Advocacy: When a claim happens, our agents work to get your trucks repaired and back on the road quickly.

Experience the confidence shared by the professionals we protect, and let us turn these options into a clear, comprehensive protection plan for you.

Dream Assurance

5.0

Based on 158 reviews

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Leslie Franke

17:49 13 Apr 26

Addison was great he was able to match me with the exact insurance policy that I needed at a cost I can afford!!!

Alex D

13:49 07 Apr 26

The insight was unmatched by any other insurance company. I’ll be using them for all my insurance needs.

G Clark

16:19 04 Apr 26

I’ve had a fantastic experience with Dream Assurance. From the very beginning, Kurtis made the process of choosing a plan straightforward and stress-free.

Robert Anderson

20:36 23 Mar 26

If you’re looking for real people that handles your needs fast then dream assurance is the way to go. Micheal Moran is probably the best insurance agent I’ve ever had. No matter the time or day, he finds a way to respond back. Not to mention we’re in two different time zones and he works like we’re in the same state. I wish I could give them more stars. Forgot to mention they’ll beat any insurance rates you find!!!

Ready to protect your business? Let our agents shop 30+ carriers for you. Get a Free Quote.
Secure your fleet with our specialized business insurance solutions.

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Frequently Asked Questions

What is the difference between cargo and inland marine insurance?

Motor Truck Cargo specifically covers goods you are paid to haul. Inland Marine covers your *own* equipment (like dollies, ramps, and blankets) while in transit.

Does general liability cover stolen customer items?

No. General Liability covers damage you cause to the premises (like walls). Theft or damage to the cargo itself is covered under Motor Truck Cargo or a specific Crime policy.

Do I need workers comp for day laborers?

Yes. In most states, if you hire someone to work, you are responsible for their injuries. Failing to carry Workers’ Comp can lead to massive fines and lawsuits.

What are the federal insurance requirements for interstate movers?

Interstate movers must typically carry at least $750,000 in Auto Liability and specific Cargo limits (usually $5,000 per vehicle/ $10,000 per occurrence) to maintain their DOT authority.

Does my policy cover storage?

Standard cargo policies only cover goods *in transit*. If you store customer goods in a warehouse overnight or longer, you need “Warehouse Legal Liability” coverage.

Coverage Guidance That Meets You Where You Are

Headquartered in Overland Park, KS and serving clients across multiple states, our team provides straightforward guidance to help you make informed insurance decisions.

If you’re comparing insurance options or reassessing your current coverage, we’ll help you evaluate what you have, identify potential gaps, and find a path forward that makes sense for your situation.