Moving Company Insurance Cost: Ranges + Calculator
Moving-company insurance is built around a distinction most owners learn the hard way: general liability does not cover the customer's belongings you are carrying — it covers third-party property you do not possess. The goods in your truck and warehouse are covered by cargo (in transit) and bailee (in storage) coverage, keyed to your care, custody or control of them. Interstate household-goods movers also carry FMCSA-filed auto liability and cargo minimums.
As an industry-typical estimate, general-liability minimums for licensed movers commonly run $300,000–$1,000,000 in limits, with FMCSA requiring household-goods cargo of $5,000 per vehicle / $10,000 per occurrence for interstate carriers. No insurance bureau publishes mover premiums, so every dollar here is an estimate; each fact is sourced to a named authority (FMCSA, IRMI, III). Use the calculator below, then get a real quote in 5 minutes.
| Business activity |
|---|
| Furniture moving, used |
| Motor freight carrier, used household goods |
| Trucking used household, office, or institutional furniture and equipment |
| Used household and office goods moving |
| Van lines, moving and storage services |
What businesses actually request
Across 31 recent commercial-insurance quote requests on Get Business Coverage, here is how often each coverage line is requested — our own first-party demand data, not a rate quote.
| Coverage | Share of requests |
|---|---|
| Commercial Auto | 71% |
| General Liability | 32.3% |
Estimate your commercial insurance cost
Plug in a few business details and we'll show an industry-typical annual range for General Liability + Workers Compensation + Commercial Auto, with the source for every number. Real quotes vary by carrier, claims history, and underwriting — get an actual quote here.
Industry-typical market ranges
Sourced from III, NCCI, ISO, NAIC, BLS, FMCSA, FDA, NRA — government and bureau publications, not from our quote form
Coverage lines a moving & storage operation typically carries (industry-typical estimates):
- Cargo & bailee: the customer's goods in transit and in storage — GL does not cover property in your care, custody or control, so this is the trade-defining coverage. IRMI care, custody or control.
- FMCSA auto liability: interstate movers file proof of auto liability (BMC-91) and household-goods cargo minimums of $5,000/vehicle and $10,000/occurrence. FMCSA insurance requirements.
- General liability: third-party bodily injury and damage to property you do not possess (e.g., a wall gouged on the way out). III commercial general liability.
- Workers' compensation: mandatory for a physical-labor crew in nearly every state. III workers comp.
Interstate vs. local operation, fleet size and warehouse storage are primary rating factors.
Recent rate-filing activity — 8 state filings across 1 commercial line
Commercial carriers can't charge whatever they want — each state's Department of Insurance must approve loss-cost filings before they take effect. These are primary-source, government-held records available on SERFF Filing Access. Cited below: the most-recent active filings affecting moving company operations, each cited to the regulator or bureau filing it came from.
| Line | State | Overall change | Effective | Filing |
|---|---|---|---|---|
| WC | NV | -32.8% voluntary loss cost decrease (legislatively-driven; SB 317) | Oct 1, 2026 | SERFF #NCCI-134895530 |
| WC | RI | Overall -2.5% voluntary (industrial); -12.9% federal classes | Aug 1, 2026 | SERFF #NCCI-134743616 |
| WC | AR | Overall -9.8% voluntary loss cost; -9.8% assigned risk market | Jul 1, 2026 | SERFF #NCCI-134876672 |
| WC | TX | Overall -3.8% adjustment to voluntary loss cost level | Jul 1, 2026 | SERFF #NCCI-134745334 |
| WC | OH | -1% private-employer rate cut (~$10M aggregate; -50% cumulative since 2019) | Jul 1, 2026 | — |
| WC | SC | -0.4% voluntary loss cost decrease | Apr 1, 2026 | SERFF #NCCI-134702984 |
| WC | NC | per $100 payroll (advisory loss cost) | Apr 1, 2026 | Filing #NCRI-134628278 |
| WC | NC | per $100 payroll (advisory loss cost) | Apr 1, 2026 | Filing #NCRI-134628278 |
Source: SERFF Filing Access (filingaccess.serff.com) — the official public-records interface for state Department of Insurance filings. Loss-cost changes shown are the overall bureau-wide change in each state; the actual impact on your quote depends on your class code, payroll, experience modifier, and carrier-specific loss-cost multiplier (LCM). Get a quote for your exact numbers.
Bureau-filed loss-cost activity by state — 45 states with filings
Each link below opens a moving company-specific page showing only that state's most-recent bureau-filed loss-cost filings (NCCI workers' comp and/or ISO commercial-lines), cited to the regulator or bureau filing each came from. Filed-rate data ≠ carrier final rates.
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Sources cited
- Care, Custody, or Control — International Risk Management Institute (IRMI), 2024
- FMCSA Insurance Requirements — Federal Motor Carrier Safety Administration (FMCSA), 2024
- Commercial General Liability Insurance — Insurance Information Institute (III), 2024
- Workers Compensation Insurance — Insurance Information Institute (III), 2024