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Insurance Program Managers Group (IPMG)
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Insurance Program Managers Group (IPMG)
Contact Us
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Household Good Movers Insurance

Household Good Movers Insurance

Insurance Program Managers Group (IPMG) offers a specialized liability program for moving and storage operations that transport household goods. This program is designed for businesses that haul goods for others under contract and need commercial general liability coverage tailored to the exposures of the moving industry.

This Household Good Movers Insurance program includes liability protection for exposures arising from terminal employees, garage operations, and associated office activities. It complements—rather than replaces—auto and cargo insurance, providing broader liability protection for moving companies with on-site operations and staff.

Ideal Accounts and Appetite

IPMG focuses on experienced moving operations with established procedures. Ideal risks include:
  • Household goods movers with at least 3 years of experience handling moving exposures
  • Businesses that haul household goods under contract for others
  • Operations with warehouse storage exposure
  • Movers with office staff supporting the moving operations
  • Fleets with no more than 15 owned or contracted trucks and/or power units
You might have a client who runs a mid-sized moving company with a warehouse and a small fleet—they’re a good fit for this program. A regional mover with terminal staff and on-site garage services would also typically qualify.

Coverage Highlights and Advantages

This program provides commercial general liability coverage structured specifically for the moving and storage industry. Key features include:
  • Optional Care, Custody, or Control coverage (excluding while in transit)
  • Motor Truck Cargo coverage available
  • Coverage for terminal and garage employees included
Coverage is placed on non-admitted paper through A-rated carriers, offering flexibility and the capacity to handle niche exposures for your clients.

Underwriting Notes and Minimum Premiums

The minimum premium for this program starts at $650. Risks must meet eligibility criteria related to operational experience, fleet size, and loss history. IPMG’s underwriters work with agents to evaluate operations, identify key liability exposures, and place accounts efficiently when they meet the program’s appetite.

Territories and Availability

This program is currently available in the following states:
  • Florida (FL)
  • Illinois (IL)
  • Missouri (MO)
  • Indiana (IN)
  • Iowa (IA)
Agents placing accounts in these states can expect responsive underwriting and service focused on moving and storage exposures.

Why Work With IPMG?

IPMG brings specialized expertise in niche commercial programs. Their Household Good Movers Insurance product is designed with the operational realities of moving and storage businesses in mind. With access to A-rated carriers and underwriters experienced in this class, IPMG is a reliable partner for placing movers’ general liability risks.

Contact IPMG to discuss placement details or to submit a risk:

Matt Becker (IL, IN, IA)
(630) 485-5952
[email protected]

Barbara Commings (FL)
(855) 377-4764 Ext 5222
[email protected]

Leona Greeves (MO)
(314-293-9700) Ext 9705
[email protected]

Frequently Asked Questions

What types of accounts are a good fit for this program?

Ideal accounts are moving companies with at least 3 years of experience, operating no more than 15 trucks or power units, and engaged in hauling household goods for others.

What coverages are included or available under this program?

The program includes commercial general liability coverage and offers optional Care, Custody, or Control coverage (excluding transit), as well as Motor Truck Cargo coverage.

Is this program available on admitted paper?

No. The program is written on non-admitted paper through A-rated carriers.

Which states is this program available in?

This program is currently available in Florida, Illinois, Missouri, Indiana, and Iowa.

What is the minimum premium for this program?

The minimum premium starts at $650, with underwriting based on the specific risk profile of the account.

Need help placing an account? Connect with a market specialist.

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    0
  • Admitted:
    0
  • Carriers:
  • Carrier Ratings:
    A
  • Commission:
    Generally 10%
  • Min Premium:
    $650

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CONTACT INFORMATION

LOCATION

225 Smith Rd
St. Charles, IL 60174
888-377-5845
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Insurance Program Managers Group (IPMG) has other insurance programs like Animal Handlers Insurance.