Moving Company Business Insurance Coverage Checklist
The coverages a moving company business business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for household-goods and commercial movers. Priorities reflect typical exposure; confirm against interstate work and storage.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Commercial Auto Liability | Covers crashes in moving trucks. | Core | |
| Motor Truck Cargo / Transit Coverage | Covers customers' goods in transit, matched to valuation offered. | Core | |
| Warehouse Legal Liability | Covers goods in storage. | Situational | |
| Commercial General Liability | Covers damage to customers' homes and injuries during moves. | Core | |
| Workers' Compensation | Required in most states — lifting injuries make this a key coverage. | Core | |
| Crime / Employee Dishonesty | Covers theft by crews from customers. | Prevalent |
The coverage gap most often missed
The most commonly missed gap for this class is cargo coverage that matches the valuation promised. Federal rules require interstate movers to offer full value protection or released value at 60 cents per pound, in writing — but a cargo policy limited to released value leaves the mover paying full value claims itself. Movers should align cargo limits with the protection customers choose, document inventories at pickup, and carry crime coverage for theft allegations inside homes.
Send us the checklist and we'll review your moving company business coverage line by line, then market it across multiple carriers that compete for your account.
Related: Moving Company Business Insurance · Moving Company Business Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a moving company business business need?
The core coverages for a moving company business business are Commercial Auto Liability, Motor Truck Cargo / Transit Coverage, Commercial General Liability, Workers' Compensation. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my moving company business coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.