Moving Company Insurance
Built for moving companies. Informed by six years of actually running one.
Sells Insurance specializes in insurance programs for moving companies — from startup operators building their first coverage to established fleets managing complex risk. Commercial auto, cargo, general liability, workers comp, FMCSA filings, and risk management — structured the way moving operations actually work. Our founder owned and operated a moving company for six years. That background shapes how we approach every account.
Founder CredentialWhy Moving Company Owners Trust Sells Insurance
Most insurance brokers have never loaded a truck, managed a moving crew, dealt with a cargo claim, or navigated a PUC filing deadline.
Our founder, Cassondra Sells, has.
After six years of owning and operating a moving company — managing trucks, drivers, crews, customers, filings, slow seasons, and the full range of things that can go wrong on a job — Cassondra built Sells Insurance with a specific focus on the industries she understands from the inside.
That operational background is not a marketing claim. It is the reason moving company owners feel understood when they talk with us — and why the insurance programs we build tend to reflect how moving companies actually operate, rather than how underwriters assume they do.
What Moving Company Insurance Typically Includes
Moving companies face a combination of risks that most standard business policies are not built to address. A properly structured moving company insurance program typically involves multiple coverages working together — each one addressing a different layer of operational exposure.
Commercial Auto Insurance
The most significant insurance expense for most moving companies. Covers trucks, drivers, road liability, and physical damage — and must be structured to reflect the actual vehicles, routes, and driver roster in operation. Underwriters evaluate commercial auto for movers differently than standard vehicles.
Commercial Auto for Movers →Cargo Insurance
Covers customer property while in the mover's care, custody, and control during loading, transit, and unloading. One of the most important coverages in the program — because cargo claims directly affect customer relationships, compliance status, and business reputation.
Cargo Coverage Explained →General Liability Insurance
Covers third-party property damage and bodily injury not tied to vehicle accidents or employee injuries. Required by most apartment complexes, commercial buildings, and contracts before a moving company is allowed on-site. Without it, companies lose jobs before the conversation begins.
General Liability →Workers Compensation
Moving is one of the highest workers compensation risk classifications in the country. Back injuries, slips, falls, and heavy lifting create consistent employee injury exposure — and Colorado requires workers compensation for companies with employees.
Workers Comp →FMCSA & State Filings
Insurance filings are how moving companies prove required coverage to regulators. Form E, Form H, MCS-90, BOC-3 — the filing layer sits on top of the policy layer. Missing or lapsed filings can suspend operating authority regardless of whether the underlying coverage is active.
FMCSA Filings Guide →Umbrella / Excess Liability
Extends liability limits above the underlying commercial auto, general liability, and other policies. Becomes critical when a moving company takes on larger contracts, high-value moves, military moves, or corporate relocations — situations where a single serious incident can exceed standard policy limits.
Pillar Guide →Not sure which coverages your operation actually needs?
A short conversation usually clarifies it faster than any online quote tool.
The Moving Companies We Work With
Sells Insurance works with moving companies at every stage — from first truck to full fleet, intrastate to interstate, residential to commercial.
Startup movers
Building a first insurance program and navigating PUC or FMCSA requirements for the first time.
Established local movers
Reviewing coverage that may no longer match the operation's size or risk profile.
Interstate operators
Managing the added compliance and coverage complexity of cross-state moves.
Fleet operators
Insuring multiple trucks, drivers, and routes with layered underwriting considerations.
Owner-operators
Running lean operations where every coverage decision directly affects cash flow.
Specialty movers
High-value residential, corporate relocation, military moves, and white-glove services.
Movers expanding markets
Adding trucks, drivers, or interstate authority and needing to adjust coverage accordingly.
Insurance Built Around How Moving Companies Actually Operate
Trucks and drivers are evaluated together, not separately.
Most brokers quote a truck without understanding the driver roster behind it. One driver with a poor MVR can affect the entire commercial auto program. We review trucks, drivers, routes, garaging locations, and vehicle weight together — because underwriters evaluate them that way.
Filings are treated as part of operations, not afterthoughts.
A policy that does not support the required regulatory filings is not a complete insurance program. For Colorado intrastate movers, that means understanding PUC requirements — Form E, Form H, Form GL. For interstate movers, it means FMCSA authority, BMC-91 or BMC-91X, and BOC-3. We coordinate both layers because a coverage gap and a filing gap can have very different consequences — but both can shut down operations.
Cargo coverage is reviewed for what it actually covers.
Cargo insurance for movers is not a standard freight policy. Released value versus full value protection, customer-packed box exclusions, storage-in-transit terms, mysterious disappearance limitations — the details matter. We help movers understand what their cargo coverage actually does before a claim reveals the gaps.
Seasonal cash flow is part of the conversation.
In Colorado, moving season runs roughly April through September. Insurance overhead does not. Startup movers especially need to plan for 12 months of fixed insurance expenses against a revenue curve that dips significantly in winter. We factor operational realities like this into how we structure and advise on coverage.
Proper Insurance Opens Doors — Not Just Coverage
A properly insured moving company qualifies for work that competitors without adequate coverage cannot access. Apartment complexes and HOAs require proof of insurance before a truck is allowed on the property. Commercial buildings demand certificates with specific limits, additional insureds, and waiver of subrogation. Government and military move programs require active FMCSA authority and the filings behind it. Corporate relocation contracts often demand higher liability limits than a startup mover would carry by default.
Insurance is not just protection against loss. For moving companies, it is the credential that determines which jobs are available and which are not. A well-built program defends the operation when something goes wrong — and expands its reach when everything goes right.
Starting a Moving Company? Insurance Is One of the First Decisions.
Insurance is not something to sort out after the trucks are running. Filings need to be in place before operating authority is active. Workers comp is required before employees start. Commercial auto must cover the vehicles before the first job. Startup movers who try to sort insurance after they've already taken bookings often discover compliance gaps that create real operational and legal exposure.
The earlier the conversation happens, the better the program can be structured from the beginning — fewer scrambles to add coverage retroactively, fewer underwriting surprises, fewer rejected applications. New movers who get this right early tend to renew at better terms.
Starting a Moving Company? Let's Talk Before You Launch.Moving Company Insurance Resources
We've built one of the most comprehensive moving company insurance resource libraries available to Colorado operators.
Colorado Moving Company Insurance Guide
The complete overview of what movers need, from first truck to full fleet.
Cargo Insurance for Moving Companies
How cargo coverage works, what it excludes, and why claims get denied.
Commercial Auto Insurance for Moving Companies
Trucks, drivers, routes, deductibles, and what underwriters actually look at.
FMCSA Insurance Filings Guide
Form E, Form H, MCS-90, and BOC-3 explained for moving company operators.
Startup Moving Company Insurance Costs
What new movers should expect, from someone who has been there.
Interstate vs. Intrastate Moving Company Insurance
How the distinction changes compliance, coverage, and cost.
Moving Company Insurance Requirements by State
Startup guide with state-by-state profiles for CO, CA, TX, FL.
Moving Company Risk Management Guide
Operational controls that reduce claims and improve insurability. Coming soon.
Coming SoonWhat Moving Company Owners Say
Real reviews from Colorado clients across moving, trucking, commercial, and personal insurance.
"Beyond knowledgeable in the moving and trucking industry. Cassondra got our fleet placed with the right carrier when nobody else could even quote us."
Michael Rouviere
Commercial / Trucking
"I've worked with Cassondra for 14 years. Always reliable, thorough, knowledgeable, and kind — she treats my business like it's her own."
Melody Javaherian
Business · 14-year client
"Cassondra found me better coverage while actually lowering my premiums on both my home and auto. She took the time to explain everything in plain English."
Isidro Bueno
Home & Auto · Arvada
Serving Moving Companies Across Colorado
Sells Insurance works with moving companies across Colorado — Denver metro, Front Range, and statewide — including both intrastate Colorado operators and interstate movers based in Colorado. Whether your trucks run a 30-mile radius or your authority covers the lower 48, the underwriting profile changes and the insurance program has to keep up.
We work with movers in Denver, Arvada, Westminster, Golden, Broomfield, Boulder, Colorado Springs, Fort Collins, Aurora, Pueblo, and statewide Colorado operations.
Ready to Build the Right Insurance Program for Your Moving Company?
Whether you're launching your first operation, scaling an existing fleet, or reviewing coverage that hasn't been looked at in years — Sells Insurance builds moving company insurance programs that are operationally accurate, correctly filed, and structured to hold up when it matters most.
The conversation starts with understanding your operation — not just quoting your trucks.