Best Moving Company Business Insurance

The Hartford ranks as our top choice for moving companies, earning a MoneyGeek score of 96 out of 100. At approximately $136 monthly, it delivers the comprehensive coverage, responsive customer service and financial stability your moving business needs to protect against liability claims, property damage and other risks movers face daily.

We recommend comparing quotes from our other top picks: NEXT, Nationwide, Simply Business and Coverdash. Each provider offers advantages that would better suit your operation's needs and budget.

Note: We based all scores on a moving business with two employees across professional liability, general liability, workers' comp and BOP policies.

The Hartford offers the most affordable moving business insurance for professional liability at $73 monthly and ranks second for general liability and workers' compensation. For the cheapest business owner's policy, Nationwide leads at $130 monthly, with The Hartford at $135. NEXT provides the most affordable workers' comp for movers at $245 monthly, so compare quotes from all three providers.

In general, moving business insurance costs are the following for the four most popular coverage types:

• General Liability: $125 on average per month, ranging from $108 to $145, depending on the state
• Workers' Comp: $261 on average per month, ranging from $225 to $302, depending on the state
• Professional Liability (E&O): $82 on average per month, ranging from $70 to $96, depending on the state
• BOP Insurance: $183 on average per month, ranging from $157 to $214, depending on the state

Moving companies need several required coverages to operate legally and protect against industry-specific risks like vehicle accidents (commercial auto), employee injuries and client property damage (workers comp). Beyond these mandates, recommended coverage depends on your operation size, interstate licensing and typical shipment values.

Our step-by-step method for getting business insurance helps you find coverage that balances comprehensive protection with affordable rates for your moving company.

The Hartford stands out as the top choice for moving businesses, combining the industry's most affordable professional liability coverage at $73 monthly with exceptional customer service. 

With an overall MoneyGeek score of 4.78 out of 5 and average rates of $136 monthly, movers get comprehensive protection across workers' compensation, commercial auto, cargo insurance and general liability without overpaying.

Common questions about moving business insurance:

We selected the best business insurer for moving companies based on the following criteria:

• Affordability (50% of score): The lower a company's costs compared to the competition based on our base profile for four core coverage types, the better the company performs.
• Customer service (30% of score): We scored providers on overall customer satisfaction using industry studies, customer review forum ratings and public forum sentiment analysis from sites like Reddit.
• Coverage (15% of score): We scored business insurance providers for this category based on the flexibility, payment and actual coverage options.
• Financial stability (5% of score): Using financial stability industry ratings from companies like AM Best and Moody's, we created an overall rating to judge how likely companies are to pay out claims compared to the competition.

All pricing in this article is based on the following base profile to represent the vast majority of small businesses in all states:

• Three-person business with two employees
• Coverage: $1 million per occurrence and $2 million total per year for all but BOP, which includes the same coverage plus $5,000 of business property coverage
• $150,000 in payroll
• $300,000 annual revenue