How to Get Business Insurance for Moving Companies

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NerdWallet Small Business helps you get the right coverage based on partnerships with more than 20 national carriers. Get quality customer service and guidance through our partner, Turbo.
via Turbo

NerdWallet Small Business helps you get realtime quotes from 30+ insurers, and instant access to your Certificate of Insurance (COI) through our partner, Coverdash.
via Coverdash
1. Understand your risks
- Employee injuries on the job.
- Client possessions damaged in transit.
- Road accidents involving your moving trucks.
- Schedule changes resulting in lost business.
2. Determine what policies you need
Insurance type: | Pays for: |
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Physical injury and/or property damage to third parties caused by you or your employees. | |
Damage to your business building, equipment and other assets as the result of natural disasters, fire, smoke or vandalism. | |
Loss of revenue, payroll and more when your business cannot operate as a result of a disaster. | |
Employees who are injured or get sick while on the job. Most states require employers to hold workers' comp for their employees, and some states require workers’ comp coverage for contractors as well. | |
Accident-related expenses such as property damage and bodily injury involving vehicles used for business operations. | |
Claims of negligence or harm as a result of your professional service. | |
Pays additional costs on insurance claims that exceed your regular policy’s limits of liability. |

NerdWallet Small Business helps you get the right coverage based on partnerships with more than 20 national carriers. Get quality customer service and guidance through our partner, Turbo.
via Turbo

NerdWallet Small Business helps you get realtime quotes from 30+ insurers, and instant access to your Certificate of Insurance (COI) through our partner, Coverdash.
via Coverdash
3. Read the fine print
4. Decide how to purchase insurance coverage
- Directly from insurance providers.
- Through an insurance broker.
- Through an online insurance marketplace.
Buy business insurance directly from an insurance provider
This method may work if you... | This method may not work if you... |
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Have an existing relationship with the insurance company. | Want to compare multiple quotes and policies across different insurance companies. |
The provider you select offers all of the coverage types you need. | Select a provider that does not offer every policy type that you need. |
You need a policy quickly. | |
You don’t want a third-party broker reaching out to insurers on your behalf. |
Buy business insurance through a broker
This method may work if you... | This method may not work if you... |
---|---|
Don’t want to manage the hassle of collecting multiple quotes and comparing coverage estimates. | Are wary of additional costs on top of your insurance premiums. |
Prefer more personalized assistance and guidance with a single point of contact. |
Buy business insurance through an online marketplace
This method may work if you... | This method may not work if you... |
---|---|
Value quick information without having to speak with anyone directly. | Want to build a relationship with a single insurance representative throughout the lifetime of your policy. |
Want quick access to pricing estimates from different providers. |