Every Move Made With Confidence.
Protecting cargo, clients, and moving operations
Moving company operations involve transporting clients' most valuable possessions across town or across the country — under time pressure, with physical labor, and in constantly changing environments. From cargo damage and auto accidents to employee injuries and client disputes, moving company risk is transit-driven, physically intensive, and heavily regulated. Whether operating a local residential moving company or a long-distance commercial mover, exposures can arise from cargo handling, vehicle operation, or employee actions.
Properly structured insurance is essential to protect client property, business revenue, regulatory standing, and long-term operational continuity.
Key Risks in Operations
Cargo damage during loading, transit, or unloading
Auto accidents involving moving trucks or company vehicles
Employee injuries from heavy lifting and physical labor
Client property damage at origin or destination locations
Theft of client belongings during transport or storage
Third-party bodily injury at job sites
DOT and state regulatory compliance requirements
Losses can arise even when the business is professionally managed.
Core Coverages
Commercial Auto — Covers moving trucks, trailers, and company vehicles for liability and physical damage arising from transit operations.
Cargo / Inland Marine — Covers client property while in the moving company’s care, custody, and control during loading, transport, and unloading.
General Liability — Protects against bodily injury and property damage claims arising from moving operations at client locations.
Workers’ Compensation — Provides coverage for employee injuries from heavy lifting, repetitive strain, and physically demanding moving work.
Commercial Crime — Covers theft of client property or company assets by employees during moves or while in storage.
Warehouse Legal Liability — Covers client property stored at a warehouse or storage facility operated or managed by the moving company.
Umbrella / Excess Liability — Provides additional limits for severe cargo loss, auto liability, or bodily injury claims.
What’s Commonly Overlooked
Insurance programs are often weakened by:
Inadequate cargo coverage limits for high-value residential or commercial moves
Gaps in warehouse legal liability for stored client property
Missing crime coverage for employee theft during moves
Insufficient auto limits for large commercial moving trucks
Failure to cover all drivers and vehicles under the commercial auto policy
DOT compliance gaps that can trigger regulatory penalties or operating restrictions
These issues typically surface at claim time — not before.
Furniture is damaged during loading or transport
A moving truck is involved in an accident on the highway
Client alleges high-value items were stolen during the move
An employee injures their back lifting heavy furniture
Property is damaged at the client’s home during the move-in
Even a single claim can disrupt operations, damage client relationships, or impact cash flow.
Why Proper Placement Matters
Coverage varies significantly based on:
Local vs. long-distance or interstate moving operations
Fleet size and vehicle types
Employee count and use of day laborers or subcontractors
Storage facility operations
DOT authority and state-specific regulatory requirements
Improper placement can lead to uncovered claims, contract losses, or regulatory exposure.
Our Approach
At Cory Washington & Co., we structure moving company insurance programs around the transit-intensive, cargo-driven nature of professional moving operations. We coordinate auto, cargo, liability, workers’ compensation, and crime coverage to ensure your business — and your clients' belongings — are fully protected from pickup to delivery.
Moving forward. Covered every mile.
Not sure your coverage is complete? Run the Moving Company Coverage Self-Review Checklist — tick what you can confirm, and walk into your next policy review informed.
Frequently Asked Questions
How do I get moving company business insurance through Cory Washington & Co.?
Request a quote or contact our team. We start with a short conversation about your operations, analyze your exposures, then negotiate moving company business insurance across multiple carriers that compete for your account and present options with the trade-offs explained. Cory Washington & Co. LLC is licensed in all 50 states.
How are moving company business insurance premiums priced?
Premiums vary from business to business. The main drivers of moving company business insurance pricing are the nature of your operations, your revenue and payroll, your loss history, and the limits you carry. Rather than quote a flat figure, we negotiate across several markets and walk you through the options, so you only pay for the protection you actually need.
Is moving company business insurance mandatory?
It depends on your situation. Some coverage is required by law; more often, moving company business insurance is required by a contract, lease, lender, or client before they will do business with you — and even when it is not mandated, it guards against exposures that can be severe. We review your operations and obligations and tell you plainly what you need and why.
What if another agency has already declined or non-renewed my coverage?
Difficult, specialty, and previously-declined placements are a core part of our work. We access excess & surplus (E&S) and specialty markets that many generalist agencies cannot, and we explain the trade-offs clearly so you can decide with confidence.
Available in all 50 states. See how requirements differ in California, Texas, Florida, New York, or choose your state.