How much does moving company insurance cost in Michigan? (2026)
Moving Company insurance pricing in Michigan is shaped by the same state-specific bureau loss-cost filings that govern every commercial policy issued in Michigan. Below: the most-recent Michigan filings affecting moving company operations, cited to the regulator or bureau filings they came from — primary-source, government-held pricing records. Read the full national context on the Moving Company cost guide.
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 | MI | per $100 payroll (CAOM advisory pure premium) | Jan 1, 2025 | Filing #348 |
| WC | MI | per $100 payroll (CAOM advisory pure premium) | Jan 1, 2025 | Filing #348 |
| WC | MI | per $100 payroll (CAOM advisory pure premium) | Jan 1, 2025 | Filing #348 |
| WC | MI | per $100 payroll (CAOM advisory pure premium) | Jan 1, 2025 | Filing #348 |
| WC | MI | per $100 payroll (CAOM advisory pure premium) | Jan 1, 2025 | Filing #348 |
| WC | MI | per $100 payroll (CAOM advisory pure premium) | Jan 1, 2025 | Filing #348 |
| WC | MI | per $100 payroll (CAOM advisory pure premium) | Jan 1, 2025 | Filing #348 |
| WC | MI | per $100 payroll (CAOM advisory pure premium) | Jan 1, 2025 | Filing #348 |
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.
National context — Moving Company insurance overview
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.
Industry-typical market ranges (national)
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.
For Michigan-specific direction, see the filed-rate table above.
Get your actual Michigan quote in 5 minutes
The data above is regulator-filed direction. Your actual Michigan quote depends on class code, payroll, experience modifier, and the LCM each carrier files.
Get a free Michigan quote → 📞 Call 1-833-505-2594More Michigan rate-filing detail
- All Michigan commercial rate filings (every line, every recent filing) — the broader rate-data view for Michigan
- Rate filings by state — directory of all 47+ states with active filings
- National Rate Change Tracker — every filing across every state, sortable
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The data above shows the regulator-filed direction for Michigan. For your actual quote — based on payroll, experience modifier, and the LCM each carrier files — request a free quote in under 90 seconds.
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Sources cited (national context above)
- 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