Household Goods Movers Insurance
Protecting Your Business
Barbee Jackson Insurance is one of the leading independent insurance agencies for Commercial Trucking Insurance. And when it comes to Household Goods Movers, we are your number one source for coverage information, industry news, and all things commercial trucking.
Are You a Local Household Goods Mover, Long Distance, or a Mixture of Both?
Every risk in Commercial Trucking Insurance is different. Depending on the commodity hauled, distance traveled, and/or type of business, will have an influence on the overriding premium. Household Goods Movers is a class of business that has several factors that affect the premium. In general, local Movers will pay a lower rate than a Long Distance mover. Why? Greater the distance, greater the chance of a claim occurring, which in turn drives up the premium. But what if you do a mixture of both local and long distance moving? If you do a mixture of both local and long distance household goods moving then you could qualify for significant discounts based on the percentages of short and long haul. Also, more insurance carriers could be available which will drive down costs.
That’s why working with an insurance agent that has the expertise in Commercial Trucking Insurance is crucial for getting the right coverage at the most competitive rate.
Case in Point
We recently worked with a client that specialized in local household goods moving, but needed interstate filings. His office was located near a state line and his current policy did not offer DOT interstate filings. This meant he had to work only in the boundaries of his state. We were able to find him a lower premium, with higher cargo coverage, and let him operate within a 500 mile radius that included DOT interstate filings. This resulted in the client saving money and increasing his revenue because he wasn’t tied to the state boundaries!
Household Movers Insurance Options – Vehicle and Cargo Coverage
Property in Transit: Coverage for the insured’s property while in transit from one location to another.
Warehouse Legal Liability: Liability coverage for the storage of goods for others while in your care, custody, and control.
Motor Truck Cargo Insurance: Protection for Household Movers for freight being transported For-Hire. It provides coverage for the freight against losses such as collision, fire, damage, or theft. Barbee Jackson Insurance offers coverage limits as low $5,000 and upwards of $500,000.
Liability: Transportation liability insurance to provide protection for Household Goods Movers against loss resulting in bodily injury, medical expense, and property damage. If legal action results from the accident, the liability insurance will also cover cost for your defense, regardless of who is at fault. Limits available depend on the gross vehicle weight of the truck.
Physical Damage: This is the type of insurance that you need to pay for the damage to your own vehicle during an accident or because of another covered loss. Coverage may include both comprehensive (damage caused by vandalism, theft or acts of nature) as well as collision (damage caused by an accident).
Underinsured or Uninsured Motorists Insurance: If your vehicle is damaged or you sustain injuries in an accident that is caused by a party that does not have sufficient auto insurance coverage; this coverage will pay for your injuries and/or property damage depending on state laws.
Additional Coverage Options
- Workers Compensation
- Commercial Property Insurance
- Business Income Protection
- Cyber Liability
- Pollution Liability
- Employer Liability
Top 5 Reasons for Choosing Barbee Jackson Insurance for Your Household Goods Moving Business
- Fast, Accurate Quotes
- More Insurance Options
- Fast State and Federal Filings
- Certificate of Insurance available 7 days a week
- Customized Policies
We are truly a here to serve our clients!
State Coverage Available:
- North Carolina
- New Mexico
- South Carolina
More states are constantly coming online as we continue our explosive growth, so if you don’t see your state still give us a call!