上海断桥铝门窗品牌代理 Best Business Insurance for Moving Companies in 2025 (Our Top 10 Picks)

Customized for Moving Companies: Trelers1,734 reviews4.4 Company FactsFull Coverage for Moving Companies$730/moA.M. Best RatingA++Complaint LevelMedPros & ConsVarious discounts offered, such as bundling policies for potential singsFeature-rich mobile app for convenient access to policy informationRobust online account management capabilitiesEfficient claim processing with positive customer feedbackExtensive coverage options for personal and business insuranceSome customer reviews mention increasing prices for no obvious reason, indicating that premium costs may not remain static for all policyholders.The ailability of discounts can vary, and eligibility criteria may apply. It’s recommended to check with Trelers Insurance directly or consult with an agent for personalized information.While Trelers Insurance is prominent, the insurance industry is highly competitive, and individual preferences may vary. It’s essential to compare offerings from various insurers to find the best fit.» Trelers Business Insurance Review1,734 reviewsService for Moving Companies: USAA6,590 reviews4.8 Company FactsFull Coverage for Moving Companies$650/moA.M. BestA++Complaint LevelHighPros & ConsRates are lower than the national erageCustomer complaints for home insurance are generally lowUSAA includes many free coverage options in standard policiesEasy-to-use mobile appFewer coverage options compared to competitorsStrict membership requirementsUSAA doesn’t write flood insurance and windstorm coverage options» USAA Business Insurance Review6,590 reviewsCoverage for Company: Progressive13,285 reviews4.3 Company FactsFull Coverage for Moving Companies$640/moA.M. Best RatingA+Complaint LevelLowPros & ConsCompetitive pricingEasy online toolsGood customer serviceClaims processingPayment processingCoverage options» Progressive Business Insurance Review13,285 reviews

The top pick overall for the best business insurance for moving companies are Trelers, USAA and Progressive, with rates starting at just $280. Trelers stands out as a leader among the best insurance companies, offering comprehensive coverage tailored to the unique needs of moving companies.

From protecting against damages to client possessions to ensuring employee safety, Trelers provides peace of mind amidst the myriad risks faced by movers.

Our Top 10 Picks: Best Business Insurance for Moving Companies

CompanyRankCommercial DiscountLiability DiscountBest ForJump to Pros/Cons #110%15%Customized PlansTrelers #28%12%Customer ServiceUSAA #312%14%Specialized CoverageProgressive #49%13%Bundling PoliciesNationwide #511%16%Local AgentsState Farm #610%15%Enhanced ProtectionAllstate #78%11%Customizable PoliciesFarmers #812%14%Policy OptionsLiberty Mutual #911%13%Add-on CoveragesThe Hartford #109%12%Online ConvenienceZurich Compare RatesStart Now →

Explore their coverage options today and safeguard your moving business with confidence. Whether you’re a small local moving company or a large-scale operation, Trelers has the coverage options to suit your needs and budget.

Shield your business from financial setbacks. Enter your ZIP code above to shop for cheap commercial insurance rates from top providers near you.

The Rundown Trelers offers best business insurance for moving companies Moving companies require coverage for potential damages to client possessions Comprehensive insurance for employee injuries

#1 – Trelers: Top Pick Overall

Pros Customized Plans: Trelers offers customized plans, allowing moving companies to tailor their coverage according to specific needs. Commercial Auto Discount: Up to 10% discount on commercial auto insurance can help businesses se on their transportation-related costs. Low Complaint Level: With a low complaint level, Trelers indicates a positive customer service experience for its clients. Check out our Trelers insurance review & ratings to gain a deeper understanding. Cons Average Monthly Rate: The erage monthly rate for good drivers is relatively higher at $107.17 compared to some competitors. Limited General Liability Discount: While offering a commercial auto discount, the general liability discount of up to 15% may be considered moderate. Compare The Best Insurance Quotes In The Country

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#2 – USAA: Best for Customer Service

Pros Customer Service: USAA is recognized for its excellent customer service, making it a suitable choice for businesses valuing strong client support. Low Complaint Level: With a low complaint level, USAA reflects a high level of customer satisfaction. Competitive Rates: With an erage monthly rate for good drivers at $62.75, USAA provides competitive pricing. Take a moment to read our USAA insurance review & ratings for valuable insights. Cons Limited Commercial Auto Discount: While offering competitive rates, USAA has a relatively lower commercial auto discount of up to 8%. Membership Eligibility: USAA is only ailable to military members and their families, limiting its accessibility to a specific demographic. #3 – Progressive: Best for Specialized Coverage

Pros Specialized Coverage: Progressive is known for offering specialized coverage, addressing the unique needs of moving companies. High General Liability Discount: With a general liability discount of up to 14%, Progressive provides substantial sings for businesses in this aspect. Average Monthly Rate: While not the lowest, the erage monthly rate for good drivers at $109.17 is competitive. Uncover more about our Progressive insurance review & ratings for comprehensive review. Cons Complaint Level: Progressive has a low complaint level, but it may be considered slightly higher compared to Trelers and USAA. Commercial Auto Discount: The commercial auto discount, up to 12%, is moderate compared to some other providers. #4 – Nationwide: Best for Bundling Policies

 

Pros Bundling Policies: Nationwide offers up to 9% discount for bundling policies, providing cost sings for moving companies combining multiple coverage types. Reputable Company: Nationwide is a well-established and reputable insurance company, instilling confidence in its services. Discover what sets our Nationwide insurance review & ratings for detailed review. Competitive General Liability Discount: With a general liability discount of up to 13%, Nationwide provides substantial sings in this category. Cons Limited Commercial Auto Discount: The commercial auto discount of up to 9% may be considered moderate compared to some competitors. Average Monthly Rate: While not the highest, the erage monthly rate for good drivers is relatively higher at an undisclosed amount. Compare The Best Insurance Quotes In The Country

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#5 – State Farm: Best for Local Agents

Pros Local Agents: State Farm is known for its local agent network, providing personalized service and a convenient point of contact for moving businesses. High General Liability Discount: With a general liability discount of up to 16%, State Farm stands out for substantial sings in this category. Learn more about State Farm insurance review & ratings for thorough review. Competitive Commercial Auto Discount: State Farm offers up to 11% discount on commercial auto insurance, contributing to overall cost sings. Cons Average Monthly Rate: The erage monthly rate for good drivers is relatively higher at an undisclosed amount. Enhanced Protection: While offering enhanced protection, some businesses may find State Farm’s coverage options more comprehensive than needed, potentially leading to higher premiums. #6 – Allstate: Best for Enhanced Protection

Pros Enhanced Protection: Allstate is recognized for providing enhanced protection, appealing to businesses looking for comprehensive coverage. Customizable Policies: Allstate allows for customizable policies, enabling moving companies to tailor coverage to their specific needs. General Liability Discount: With a general liability discount of up to 15%, Allstate offers significant sings in this category. Get the full scoop on Allstate insurance review & ratings for in-depth review. Cons Average Monthly Rate: The erage monthly rate for good drivers is relatively higher at an undisclosed amount. Complaint Level: Allstate has a low complaint level, but it may be considered slightly higher compared to some competitors. #7 – Farmers: Best for Customizable Policies

Pros Customizable Policies: Farmers allows for customizable policies, giving moving companies flexibility in tailoring coverage. Policy Options: Farmers offers a variety of policy options, catering to different business needs and preferences. Gain a better understanding of Farmers insurance review & ratings for informative review. Competitive General Liability Discount: With a general liability discount of up to 11%, Farmers provides significant sings in this category. Cons Commercial Auto Discount: The commercial auto discount of up to 8% may be considered moderate compared to some competitors. Average Monthly Rate: The erage monthly rate for good drivers is relatively higher at an undisclosed amount. Compare The Best Insurance Quotes In The Country

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#8 – Liberty Mutual: Best for Policy Options

Pros Policy Options: Liberty Mutual provides a range of policy options, allowing businesses to choose coverage that suits their specific requirements. Commercial Auto Discount: With up to 12% discount on commercial auto insurance, Liberty Mutual offers significant sings in this category. Reputable Company: Liberty Mutual is a reputable and well-established insurance provider, instilling confidence in its services. Refer to our Liberty Mutual review & ratings for a detailed overview of our offerings. Cons General Liability Discount: The general liability discount of up to 14% may be considered moderate compared to some competitors. Average Monthly Rate: While competitive, the erage monthly rate for good drivers is relatively higher at an undisclosed amount. #9 – The Hartford: Best for Add-On Coverages

Pros Add-On Coverages: Hartford offers add-on coverages, allowing businesses to enhance their protection based on specific needs. Competitive General Liability Discount: With a general liability discount of up to 13%, Hartford provides substantial sings in this category. Reputable Company: Hartford is a reputable and well-established insurance provider, instilling confidence in its services.  Explore our The Hartford insurance review & ratings to gain deeper insights. Cons Commercial Auto Discount: The commercial auto discount of up to 11% may be considered moderate compared to some competitors. Average Monthly Rate: While not the highest, the erage monthly rate for good drivers is relatively higher at an undisclosed amount. #10 – Zurich: Best for Online Convenience

Pros Online Convenience: Zurich offers online convenience, making it easy for businesses to manage their insurance needs through digital platforms. Competitive General Liability Discount: With a general liability discount of up to 12%, Zurich provides significant sings in this category. Policy Options: Zurich provides a variety of policy options, catering to different business needs and preferences. Review our Zurich insurance group review & ratings to get a better understanding of our services. Cons Commercial Auto Discount: The commercial auto discount of up to 9% may be considered moderate compared to some competitors. Average Monthly Rate: While competitive, the erage monthly rate for good drivers is relatively higher at an undisclosed amount. Compare The Best Insurance Quotes In The Country

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Understanding the Moving Business Risks and Insurance Needs

Understanding the moving business involves recognizing its unique risks and corresponding insurance needs. Moving companies face challenges beyond standard coverage for small businesses, necessitating additional protection. Employee injuries are a significant concern due to the physical nature of the work, highlighting the need for adequate insurance coverage to protect both employees and the business.

Trelers leads the pack with tailored coverage starting at just $280, making it the top choice for moving companies seeking comprehensive protection.

Jeff Root Licensed Life Insurance Agent

Damaged client possessions during the moving process require insurance to compensate clients and shield the company from liabilities. Road accidents pose another critical risk, given the frequent presence of moving trucks on the road. Adequate insurance coverage is essential to address property damage, bodily injuries, and related expenses resulting from accidents.

Insurance policies with coverage for business interruption can offer financial support during periods of downtime caused by schedule changes. To effectively mitigate these risks, moving companies should explore comprehensive business insurance policies tailored to their specific needs. By doing so, they can better protect their employees, clients, and overall business operations from potential liabilities and financial losses.

Determine the Policies You Need

Business insurance is not one-size-fits-all. The size of your business, number of locations, employees and contractors, and fleet size will all impact the types of coverage you require. Some crucial insurance types for moving companies include:

General Liability Insurance: Covers physical injury and property damage caused to third parties by you or your employees. Commercial Property Insurance: Protects your business building, equipment, and other assets from damage due to natural disasters, fire, smoke, or vandalism. Business Interruption Insurance: Provides coverage for lost revenue, payroll, and other expenses when your business cannot operate due to a disaster. Workers’ Compensation Insurance: Covers employees who are injured or become ill while on the job, as required by most states. Commercial Auto Insurance: Commercial auto insurance covers accident-related expenses, such as property damage and bodily injury, involving vehicles used for your moving operations. Professional Liability Insurance: Protects against claims of negligence or harm resulting from your professional services. Umbrella Insurance: Offers additional coverage beyond your regular policy’s liability limits.

By understanding and selecting the right mix of insurance policies, you can safeguard your moving company against unexpected challenges and liabilities, ensuring its long-term success and resilience.

Essential Insurance Policies for Moving Companies

In securing insurance for your moving business, there are several routes to consider. Firstly, you can approach insurance providers directly. This method offers a quick way to obtain coverage if you already he a preferred company in mind, although it may limit your ability to compare quotes. Alternatively, working with an insurance broker can streamline the process.

Brokers offer personalized assistance by gathering quotes from multiple insurers, sing you time and effort. However, be mindful that brokers may charge additional fees, and the lowest-priced option may not always be presented. Another option is to explore online insurance marketplaces. Refer to the relevant article in the detailed resource “What is health insurance marketplace?”

These platforms allow you to research and compare insurance offerings conveniently. They aggregate products from various insurers and provide quick estimates based on your input. This approach is ideal for those who prefer a self-directed approach and immediate access to pricing information.

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Cost of Moving Companies

When considering business insurance for moving companies, it’s essential to evaluate the monthly rates offered by various providers based on different coverage levels. Below is a comparison of the minimum and full coverage monthly rates offered by leading insurance providers:

Moving Companies Business Insurance Monthly Rates by Provider & Coverage Level

Insurance ProviderMinimum CoverageFull Coverage $300$700 $280$650 $320$720 $290$670 $270$640 $310$710 $300$700 $330$730 $280$650 $310$710 Compare RatesStart Now →

These rates reflect the monthly premiums for both minimum and full coverage options offered by each provider. Evaluating these rates can help moving companies make informed decisions based on their budget and coverage needs.

Finding and Researching Your Business Insurance Provider

When securing business insurance for your venture, the choice of provider is paramount. Here’s a comprehensive guide to help you nigate the process of finding and researching the right insurance quotes online for your business. These are important points to consider:

Read Reviews: Look for reviews from fellow business owners who he worked with the insurance provider you’re considering. Pay attention to their experiences, satisfaction with the provider’s service, and claims handling process. Positive reviews can indicate reliability and quality service. National Association of Insurance Commissioners (NAIC): Visit the NAIC website to check for any recorded complaints against the insurance provider. This resource provides valuable information on the company’s track record and helps you assess their reliability and customer satisfaction. Financial Stability: It’s crucial to ensure that the insurance provider is financially stable. Check the provider’s financial ratings from independent rating agencies such as A.M. Best, Standard & Poor’s, or Moody’s. These ratings reflect the company’s ability to meet its financial obligations. Licensing and Accreditation: Verify that the insurance provider is licensed to operate in your state. You can check this information with your state’s insurance department. Additionally, look for any accreditations or affiliations with professional organizations within the insurance industry, which can be a sign of the provider’s commitment to professionalism and adherence to industry standards. Customer Service: Assess the provider’s customer service quality. Contact their customer support or speak with a representative to get a sense of their responsiveness, knowledge, and willingness to address your questions and concerns. Claims Process: Review the provider’s claims handling process. Consider factors such as ease of filing a claim, turnaround time for claim settlement, and customer satisfaction with the claims experience. A smooth and efficient claims process is crucial when you need to rely on your insurance coverage.

By diligently evaluating customer reviews, assessing financial stability, verifying licensing and accreditation, scrutinizing customer service standards, and understanding the claims process, you’re not just purchasing coverage – you’re investing in the reliability and protection of your enterprise.

With careful consideration and informed decision-making, you can rest assured that your business is fortified against the uncertainties of the future, allowing you to focus on what truly matters – the success and prosperity of your venture.

Case Studies: Highlighting the Value of Business Insurance for Moving Companies

These case studies effectively demonstrate the invaluable role that various types of insurance play in safeguarding moving companies against unforeseen risks and liabilities. Let’s break down the key points highlighted in each case study:

Case Study #1 – General Liability Insurance: SwiftMoves Logistics faced an incident where an employee damaged a client’s antique clock during a move. Their general liability insurance covered repair costs and compensation, preventing legal disputes and preserving their reputation for quality service. Delve deeper the relevant article in the detailed resource titled “Best Business Insurance for Antique Stores“. Case Study #2 – Commercial Property Insurance: ProGuard Movers experienced a warehouse fire, damaging their property and equipment. Commercial property insurance swiftly provided financial support for repairs, enabling the company to resume operations and minimize financial losses. Case Study #3 – Workers’ Compensation Insurance: ReliaShift Services had an employee sustain a serious injury during a move. Workers’ compensation insurance covered medical expenses and provided wage replacement, demonstrating the company’s commitment to employee welfare and mitigating legal risks. Case Study #4 – Commercial Auto Insurance: MoveMaster Solutions encountered a collision involving one of their trucks. Commercial auto insurance protected their assets and upheld their professionalism, ensuring minimal disruption to their services and reputation.

These emphasize how investing in comprehensive business insurance coverage, including general liability, commercial property, workers’ compensation, and commercial auto insurance, is essential for moving companies.

Trelers stands out as the top choice for moving companies with tailored excellence, low complaints, and comprehensive coverage.

Melanie Musson Published Insurance Expert

By doing so, these companies can effectively manage risks, protect their financial stability, maintain their reputation, and ensure the well-being of their employees and clients.

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Roundup: Securing Your Moving Company With Business Insurance

Obtaining business insurance is vital for protecting your moving company from various risks. Identify key risks such as employee injuries and damaged client possessions, and choose essential coverage like general liability, workers’ compensation, and commercial auto insurance. Explore different purchasing channels to find the most suitable insurance provider for your needs. (Read more: How To Get Free Insurance Quotes Online)

Whether you opt to buy directly from providers, through brokers, or via online marketplaces, ensure you select comprehensive coverage that adequately protects your business. Investing in comprehensive coverage not only safeguards your business’s financial security but also allows you to focus on growth with confidence.

By addressing potential risks proactively and selecting the right insurance policies, you can operate your moving company with peace of mind and drive its success forward. Compare your rideshare insurance options by entering your ZIP code into our free quote tool below.

Frequently Asked Questions What types of business insurance do moving companies need?

Moving companies may require several types of insurance, including general liability, commercial property, business interruption, workers’ compensation, commercial auto, professional liability, and umbrella insurance. The specific needs depend on factors like business size, fleet size, and the number of employees.

Why is business insurance important for moving companies?

Business insurance is crucial for moving companies to protect against various risks, such as damage to client possessions, employee injuries, road accidents, and business interruptions. It provides financial stability, safeguards assets, and ensures a moving company’s continued operations.

Ready to find the best fleet insurance? Enter your ZIP code in our comparison tool below to see affordable commercial insurance rates in your area.

How can I determine the right insurance policies for my moving company?

Tailoring coverage involves assessing your business size, locations, employees, contractors, and fleet size. Understanding the specific risks your moving company faces, such as damage to client possessions or employee injuries, will guide you in selecting the most suitable insurance policies.

Where can I find business insurance for my moving company?

You can purchase business insurance for your moving company through various channels, including directly from providers, through brokers, or via online marketplaces. It’s essential to compare quotes from different insurance companies to find the best coverage and rates.

Is it necessary for moving companies to he insurance if they operate a fleet of vehicles?

Yes, it is highly recommended for moving companies with a fleet of vehicles to he insurance, specifically commercial auto insurance. This coverage protects the company’s vehicles in case of accidents, collisions, or other damages.

What is general liability insurance for moving companies?

General liability insurance covers bodily injury, property damage, and advertising injury claims against your business, providing financial protection and legal defense.

Why do moving companies need workers’ compensation insurance?

Workers’ compensation  insurance compensates employees for medical expenses and lost wages due to work-related injuries or illnesses, protecting both employees and the business.

How does commercial property insurance benefit moving companies?

Commercial property insurance covers physical assets like buildings, equipment, and inventory against damage or loss from events such as fire, theft, or vandalism.

Why should moving companies consider umbrella insurance?

Umbrella insurance provides additional liability coverage beyond the limits of primary policies, offering extra protection against costly lawsuits and claims.

What is business interruption insurance, and why is it important for moving companies?

Business interruption insurance provides financial support during periods of downtime caused by covered events, helping businesses recover lost income and continue operations.

Find the best commercial car and truck insurance for your business needs by entering your ZIP code below into our free comparison tool today.

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Written by:

Ty Stewart

Licensed Insurance Agent

Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about life insurance when he got his first policy for his own family. He has been featured as a life insurance expert speaker at agent conventions and in top publications.  As an independent licensed life insurance agent, he has helped clients nationwide to secure affordable coverage while making the...

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Licensed Insurance Agent

Reviewed by:

Kristine Lee

Licensed Insurance Agent

Kristine Lee is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has been a contributor to numerous publications focused on the nuances of insurance, including on The Points Guy.

Full Bio → Reviewed by Kristine Lee

Licensed Insurance Agent

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