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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 insurance solution designed for moving and storage operations that handle the transportation of household goods. This program targets businesses engaged in hauling goods for others under contract and provides critical commercial general liability coverage tailored to the unique exposures of the industry.

This Household Good Movers Insurance program includes liability protection for operations involving terminal employees, garage employees, and associated office exposures. It’s an ideal solution for moving companies that need dependable coverage beyond standard auto or cargo policies.

Ideal Accounts and Appetite

IPMG focuses on experienced movers with established operations. 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 of trucks—they’re a great fit for this program. Similarly, a regional mover with both on-site employees and terminal staff may also qualify.

Coverage Highlights and Advantages

This program provides general liability coverage specifically structured for moving companies. Additional 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 written on non-admitted paper through A-rated carriers, offering flexibility and financial strength for your clients in this niche space.

Underwriting Notes and Minimum Premiums

The minimum premium for this program starts at $500. Risks must meet specific eligibility criteria, including operational experience and fleet size limits. IPMG’s underwriting team is focused on understanding the unique liability exposures of the moving industry and works closely with agents to evaluate submissions efficiently.

Territories and Availability

This program is currently available in the following states:
  • Florida (FL)
  • Illinois (IL)
  • Missouri (MO)
  • Indiana (IN)
  • Iowa (IA)
Agents working with clients in these states can rely on IPMG for responsive service and knowledgeable underwriting.

Why Work With IPMG?

IPMG brings years of specialized experience in crafting insurance programs for niche markets. Their Household Good Movers Insurance solution is designed with the operational realities of the moving and storage industry in mind. With access to A-rated carriers and a team that understands the exposures your clients face, IPMG is a trusted partner for placing this type of business.

Contact IPMG today to learn more about placing your Household Good Movers risks:

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 $500, 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.