Household Goods Movers Insurance

TCB Insurance Programs is a wholesale broker that places household-goods movers risks with multiple admitted and non-admitted markets. Backed by over 25 years of transportation insurance experience, we deliver fast quote turnaround and underwriting that understands the exposures unique to household moving operations — including cargo/bailee exposures, auto and physical damage, and liability tied to packing, loading and storage-in-transit.

• Local and regional household goods movers with small to mid-size fleets (owner/operators and single-state operations).
• White-glove movers who provide packing, crating, and in-home services for residential customers.
• Movers who offer storage-in-transit or short-term warehousing paired with transit exposure.
• Accounts with reasonable loss history and documented valuation/settlement practices.

Generally not a fit: large national van lines, heavy equipment haulers, freight brokers (non-transport operators), or accounts with extensive prior losses or significant regulatory issues. Specific declinations depend on carrier appetite.

• Cargo and bailee coverage options tailored to household goods valuation methods.
• Commercial auto liability and physical damage solutions for moving vans and tow vehicles.
• General liability with options for hired and non-owned auto and limits to match contract requirements.
• Flexible limits and deductible structures — TCB works to match the insured’s risk tolerance and contract obligations.
• Access to multiple markets and appetite variations through a wholesale broker relationship.

Underwriting will focus on fleet size and vehicle types, average move distance, valuation methods used for customer goods, storage-in-transit practices, driver hiring and training, and claims history. Because carrier appetite varies, minimum premiums and terms vary by risk and by market; the program lists minimum premium as "Varies."

To speed submission review, supply a current ACORD application, schedule of vehicles, loss runs (preferably 3–5 years), details on valuation and settlement procedures, and any supplemental moving/motor carrier application your agency uses.

TCB’s Household Goods Movers program is available in the following states and territories: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Coverage may be offered through admitted or non-admitted markets depending on the state and carrier; please confirm availability for each risk.

• Transportation-focused underwriting with quick quote turnaround — helpful when clients need timely evidence of coverage.
• Wholesale broker access to various carriers and market solutions for movers of different sizes and service types.
• Flexible limits and deductible structures to align with contract and customer requirements.
• Decades of placement experience in transportation classes, so you get practical underwriting that understands moving operations.

For more detail on program features, appetite or submission requirements, visit our website www.tcbinspro.com or prepare a submission packet with ACORDs and loss runs for the quickest review.

• A regional moving company with 6 straight trucks, offering local and short interstate moves, routine packing services, and limited storage-in-transit — looking for cargo/bailee and auto physical damage with a practical deductible.
• A small specialty mover handling high-value household items (pianos, antiques) with documented valuation practices and low loss frequency seeking customized cargo limits and higher liability limits for customer contracts.