Household Movers Insurance
Coverage built for household goods movers—from local to interstate carriers. We place General Liability, Commercial Auto, and Motor Truck Cargo, and we handle your FMCSA and state insurance filings so your authority stays active.
Who we insure
Startups and established movers providing local, intrastate, or interstate household goods service, including packing, loading/unloading, and storage-in-transit. We help align coverage and filings to the authority you hold and the contracts you pursue.
- Auto liability minimums for for‑hire property carriers in interstate commerce typically start at $750,000 CSL (many contracts require $1,000,000).
- Household goods cargo filings require minimums of $5,000 per vehicle and $10,000 per occurrence (many movers carry $100,000+).
- We can issue COIs with Additional Insured, Primary & Noncontributory, and Waiver of Subrogation wording when available.
Availability and terms vary by state, unit count/weight classes, driver MVRs, and loss history.
Coverages & Limits
General Liability
| Each Occurrence | $1,000,000 typical (higher available) |
|---|---|
| General Aggregate | $2,000,000–$4,000,000 typical |
| Products/Completed Operations | Included |
| Personal & Advertising Injury | Included |
| Damage to Premises Rented to You | Included |
| Medical Payments | Often excluded or low sublimit |
GL addresses third‑party bodily injury/property damage from premises/operations (e.g., trip hazards during loading, customer slip‑and‑fall at your warehouse). GL does not insure customer goods—see Cargo.
Commercial Auto
| Auto Liability | Commonly $1,000,000 CSL (FMCSA minimums start at $750,000 for non‑hazardous property) |
|---|---|
| Physical Damage | Comp/Collision for trucks/tractors/trailers/box trucks |
| Hired & Non‑Owned Auto | Liability when using rented or employee‑owned vehicles |
| MCS‑90 | Federal endorsement attached to Auto policy to meet financial responsibility rules |
Motor Truck Cargo (Household Goods)
| Minimum for FMCSA filing | $5,000 per vehicle / $10,000 per occurrence (many contracts require $100,000+) |
|---|---|
| Covered property | Shippers’ household goods while in your care, custody, or control—on the truck, at terminals, and during loading/unloading (per form) |
| Extensions | Debris removal, earned freight, pairs & sets, mechanical/electrical breakdown (where available) |
| Common exclusions | Inadequate packing by shipper, wear & tear, infestation, delay, temperature, mysterious disappearance (unless endorsed) |
FMCSA & State Insurance Filings for Movers
Federal (FMCSA)
- BMC‑91 or BMC‑91X — Proof of Public Liability (Auto) on file with FMCSA. Minimums for non‑hazardous property are generally $750,000 (many contracts require $1M).
- MCS‑90 — Policy endorsement attached to your Auto policy to satisfy federal financial responsibility rules.
- BMC‑34 (or BMC‑83) — Proof of Cargo insurance for Household Goods carriers/freight forwarders; minimums $5,000 per vehicle and $10,000 per occurrence.
We coordinate these filings directly with FMCSA so your MC authority can be activated and stay in good standing.
State (where applicable)
- Form E — Uniform Motor Carrier Bodily Injury & Property Damage Certificate of Insurance (Auto liability) filed to the state commission/DMV for intrastate authority.
- Form H — Uniform Motor Carrier Cargo Certificate of Insurance for household goods (in states that require it).
- Form K — Notice of Cancellation filing to the state when a policy is cancelled.
Some states accept FMCSA filings in lieu of separate intrastate filings; others require Form E/H. We’ll advise on your specific states.
Frequently Asked Questions
Is Cargo required for all movers?
For household goods carriers under FMCSA authority, yes—cargo filings are required, with minimums of $5,000 per vehicle and $10,000 per occurrence. Most movers buy higher limits (often $100,000+).
Why does my MC show $750,000 when I purchased $1,000,000 Auto?
FMCSA displays compliance with minimums via BMC‑91/91X; your actual policy can carry higher limits (e.g., $1M) to meet shipper/contract requirements.
Do state Form E/H filings apply if I only run interstate?
Often no—but it depends on the state. Some accept federal filings; others still require intrastate Form E/H if you operate within their borders under state authority.
Do GL and Cargo overlap?
No. GL handles third‑party injuries/property damage from your operations (e.g., a landlord claim). Cargo protects the shipper’s goods in your care. They work alongside, not as substitutes.
Summaries above are for marketing only. Final terms depend on policy forms and underwriting.
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