Moving Companies Insurance
General Liability Insurance
for Moving Companies
Moving company crews work inside customers' homes and businesses, around expensive furniture and electronics, and on stairs and in elevators. General liability covers property damage claims that aren't related to the cargo itself — such as a mover scratching hardwood floors or damaging a doorframe.
Industry-Specific Insight
Why Moving Companies Businesses Need General Liability Insurance
Moving company crews work inside customers' homes and businesses, around expensive furniture and electronics, and on stairs and in elevators. General liability covers property damage claims that aren't related to the cargo itself — such as a mover scratching hardwood floors or damaging a doorframe.
Coverage Details
What General Liability Insurance Covers
Key protections included in a general liability policy for moving companies operations.
FAQs
Common Questions from Moving Companies Businesses
Does GL cover damage to a customer's floors or walls during a move?
Yes. Accidental property damage to a customer's home or office during a move — beyond the items being transported — is covered by general liability.
Do moving companies need separate cargo and GL coverage?
Yes. Cargo insurance covers the items being transported. GL covers damage to the property where the moving occurs. Both are needed for a complete program.
How much general liability coverage do I need?
Common options range from $500,000 to $2 million per occurrence, with higher aggregate limits available. Requirements vary by industry and client contracts. A licensed agent can discuss what's appropriate for your business size and risk.
Does general liability cover my employees?
No — employee injuries are covered by workers compensation, not general liability. GL focuses on third-party claims from customers, vendors, and the public.
Complete Coverage
Other Coverages Moving Companies Businesses Commonly Need
A complete protection plan for moving companies operations typically includes several complementary coverages.
Moving Companies · General Liability
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