The Hartford doesn’t offer moving company insurance online, but a local agency or Tivly may be able to help you find the coverage you need. The following content includes information from various sources and can change over time.
What Is Moving Company Insurance?
Insurance for moving companies is made up of different types of business insurance coverages to help protect you from the unique risks you face as you transport, load and deliver your customers' belongings.
In your world, that means being prepared for situations like accidental property damage at a customer’s home, injuries to your crew from lifting heavy furniture, client claims about damaged goods or breakdowns with your trucks and gear. With moving company insurance, you can rest assured knowing you’re better prepared if setbacks come up.
Common types of coverage that may be included in a moving company insurance package can include:
- Business Owner’s Policy (BOP)
- Commercial auto insurance
- Workers’ compensation insurance
- Professional liability insurance
Why Might You Need Moving Company Insurance?
Your business faces risks every day that can derail your operation. Business insurance for a moving company can help protect you from many potential challenges, like:
- Property damage: A table damages a customer’s drywall during a tight hallway turn.
- Auto accident: Your truck is rear-ended on the way to a client’s home.
- Equipment loss: A dolly is stolen from your office or truck.
Moving Company Insurance Coverage
When it comes to finding the best insurance for moving companies like yours, you’ll want to ensure you have coverage that matches your potential risks. Many moving companies have a Business Owner’s Policy (BOP) because of the peace of mind it can provide. By combining three types of coverage, it can help protect your business from risks that come up during normal operations:
General liability insurance helps protect your moving company from claims that it caused bodily injury or property damage to others. For example, if a customer claims you scratched their walls while moving their furniture, general liability insurance for your moving company can help pay the repair costs.
Commercial property insurance helps protect the owned or rented building that you operate from, as well as the tools, equipment and supplies you rely on. These can include:
- Dollys
- Furniture sliders
- Moving blankets and pads
- Boxes
- Straps
- Personal protective equipment (PPE)
Business income insurance helps replace lost income if you can’t operate temporarily because of covered property damage caused by theft, fire or wind. You can use this insurance to help pay ongoing operating costs, like rent.
It’s important to remember that a BOP won’t cover every kind of claim you may face. You may need to get other types of insurance to have well-rounded protection, such as:
How Much Does Moving Company Insurance Cost?
The cost of business insurance for moving companies varies because every business has unique risks. Although The Hartford doesn’t offer coverage for moving companies, here are the average costs our small business customers pay for common types of insurance. You can use this to help estimate your coverage costs:**
- BOP: $1,687 a year, or about $141 a month
- Stand-alone general liability insurance: $810 a year, or about $68 a month
- Workers’ compensation insurance: $1,032 a year, or $86 a month
- Professional liability insurance: $744 a year, or $62 a month1
Insurance companies may consider several factors when determining your coverage cost, including:
- Number of employees
- Location of your business
- Type of coverage
- Your claims history
- The limits you select for your coverage
The Hartford knows how important insurance is for small businesses. That’s why we help connect you with Tivly, so you can get the coverage you need. To find out your specific moving business insurance costs, get a free quote online through Tivly.
General Liability Insurance
“As we moved furniture out of a customer’s home, they sued my business and said we scuffed up their floors and put holes in their walls.”
General liability helps cover claims that your business caused bodily injury or property damage to someone else.
Business Income Insurance
“A fire started in the back of our building where we store our equipment. The damage was so extensive that we couldn’t open for weeks. We had to refund customer deposits and reschedule as many moves as we could.”
Business income insurance helps replace lost income if you can’t operate temporarily because of covered property damage.
Workers’ Compensation Insurance
“One of my movers developed a back injury after a busy month, and he had to take weeks off work.”
Workers’ compensation insurance gives your team benefits to help them recover from work-related injuries or illnesses. It can help pay their medical bills and replace lost wages.
Commercial Auto Insurance
“One of my crews was on the way to a customer’s house to pack up their belongings for a move. The driver ended up rear-ending another car in traffic.”
Commercial auto insurance helps protect your employees on the road when using a company-owned vehicle for work.
Commercial Property Insurance
“A pipe burst in our building, damaging a lot of our furniture and computers.”
Commercial property insurance helps protect the owned or rented equipment and tools you rely on to operate.
Cyber Insurance
“I fell for a phishing attack, and the hackers got my login credentials for my computer. I had to notify all my customers about a potential breach.”
Cyber insurance helps you respond to a cyberattack or data breach. This coverage can help pay the costs for you to notify impacted individuals and offer credit monitoring services.
Pack Up With Peace of Mind
You take pride in helping your community through life’s transitions. Now it’s time to protect your business. We help connect you with Tivly, so you can get the coverage you need to safeguard your livelihood.
Last Updated: January 8, 2026
1 What you pay for professional liability insurance will vary by product, limits chosen and risk class or hazard group associated with your business.
2 U.S. Fire Administration, “Nonresidential Fire Estimate Summaries (2014 to 2013)”
3 U.S. Bureau of Labor Statistics, “Incidence Rates of Nonfatal Occupational Injuries and Illnesses by Industry and Case Types, 2023”
4 Risk & Insurance, “Water Damage Is a Leading Cause of Commercial Real Estate Claims. How Sensor Technologies Help Mitigate These Claims”
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
The Hartford does not currently have a product available to provide the coverage described on this page. You are being referred to Tivly in an effort to connect you with a carrier who may provide this coverage. This link will redirect you to a third-party website, owned and operated by an independent party ("Tivly"). Any link you make to or from the Tivly website will be at your own risk. Any use of the Tivly website will be subject to and any information you provide will be governed by the terms of the Tivly website, including those relating to confidentiality, data privacy and security. The Hartford and its affiliates (collectively "The Hartford") do not endorse or approve and make no warranties, representations or undertakings relating to the content of the Tivly website. The Hartford assumes no liability for loss, damage and any other consequence resulting directly or indirectly from your access to the Tivly website or any information that you may provide on the Tivly website.
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