How much does moving company insurance cost in North Carolina? (2026)
Moving Company insurance pricing in North Carolina is shaped by the same state-specific bureau loss-cost filings that govern every commercial policy issued in North Carolina. Below: the most-recent North Carolina 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 | 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 |
| 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 |
| 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 |
| WC | NC | per $100 payroll (advisory loss cost) | Apr 1, 2026 | Filing #NCRI-134628278 |
| WC | NC | Industrial -7.8% / Federal -12.8% overall loss cost level | Apr 1, 2026 | Filing #NC-NCRB-LC-20250829 |
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 North Carolina-specific direction, see the filed-rate table above.
Get your actual North Carolina quote in 5 minutes
The data above is regulator-filed direction. Your actual North Carolina quote depends on class code, payroll, experience modifier, and the LCM each carrier files.
Get a free North Carolina quote → 📞 Call 1-833-505-2594More North Carolina rate-filing detail
- All North Carolina commercial rate filings (every line, every recent filing) — the broader rate-data view for North Carolina
- Rate filings by state — directory of all 47+ states with active filings
- National Rate Change Tracker — every filing across every state, sortable
Get a real North Carolina quote for moving company
The data above shows the regulator-filed direction for North Carolina. For your actual quote — based on payroll, experience modifier, and the LCM each carrier files — request a free quote in under 90 seconds.
Get a free North Carolina quote →Related guides
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