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Here at TCB Insurance Programs we provide a focused program for the challenging class of Household Goods Movers Insurance. TCB offers flexible limits and a range of deductibles to fit common moving operations. Program overview — Household Goods Movers Insurance from TCB Insurance Programs 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. Ideal accounts and appetite 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. Coverage highlights and advantages 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 notes and minimum premiums 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. Territories and admitted status 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. Why place this business with TCB Insurance Programs 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. Example accounts that fit this program 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. Frequently Asked Questions What types of movers are a good fit for this program?Small to mid-size household goods movers — local and regional operators, white-glove movers, and movers offering storage-in-transit — are the primary fit. Appetite varies by carrier, so we review truck types, valuation practices, and loss history. What information speeds underwriting and quoting?Provide a current ACORD application, vehicle schedule, three to five years of loss runs, details on valuation/settlement practices, and any supplemental moving-specific application. Complete submissions get faster turnaround. Are cargo/bailee and auto physical damage included?Yes — the program offers cargo/bailee coverage and commercial auto physical damage options, along with liability coverages. Specific limits and deductibles depend on the carrier and the insured’s operations. Is this available in all states and is it admitted?The program is available in the states listed on the storefront, and placement may be on admitted or non-admitted/surplus lines markets depending on the state and carrier. Availability and regulatory requirements vary by jurisdiction. Need help placing an account? Connect with a market specialist.

Moving can be one of the most frustrating and costly experiences a person deals with at least once in their life. Preparing for a move involves various expenses—packing materials, hiring professional movers, transferring homeowners or renters insurance, and more. On top of that, there’s the added concern of keeping personal belongings safe during transport. Chenango Brokers, LLC offers a comprehensive Household Movers Insurance program designed to protect your clients in the moving industry. Whether you’re working with new ventures or established moving companies, this program helps safeguard both their equipment and their customers’ property during relocation. Ideal Accounts and Appetite This program is tailored for household goods movers operating within a 300-mile radius. It's ideal for local and regional moving companies transporting personal belongings, household furniture, and related items. Chenango Brokers can work with both new businesses and experienced movers, provided they meet underwriting requirements. Accounts must have prior commercial insurance experience in some cases—specifically, two years of prior coverage is required for risks based in Florida and Illinois. Chenango Brokers focuses on placing risks that need broad protection for both vehicles and cargo. Coverage Highlights and Advantages A strong Household Movers Insurance policy should provide protection for all parties involved during a move. Chenango Brokers’ program offers well-rounded coverage options to meet those needs, including: • Liability Coverage • Physical Damage • Cargo Insurance • Crime Coverage • Commercial Auto • Comprehensive Coverage • Property Damage These coverages help protect the moving company’s trucks and vans, the cargo being transported, and third-party property in the event of an accident, theft, or other covered loss. For example, if you have a client who owns a small fleet of moving trucks and is expanding services across neighboring states, this program can help provide the liability and cargo coverage they need to grow confidently. Underwriting Notes and Requirements Chenango Brokers underwrites with a focus on properly insuring risk exposures common to the household moving industry. A few key underwriting notes: 300-mile operational radius maximum for all risks Two years of prior commercial insurance required for FL and IL New ventures considered in other states Coverage may be admitted in some states Territories and Availability This program is currently available in the following states: CT, FL, IL, MD, NJ, NY, PA, and RI. While coverage is available on an admitted basis in some states, availability and terms may vary by jurisdiction. Why Work With Chenango Brokers With over 30 years of experience in the transportation and moving insurance sector, Chenango Brokers brings deep market knowledge and underwriting support to help you place accounts confidently and efficiently. As a wholesale broker, Chenango offers fast turnaround—typically delivering quotes in under 37 minutes—and works closely with retail agents to ensure their clients are properly protected. Explore the full program details and access resources on our Household Movers Insurance page, or contact our team directly to get started. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for local and regional household goods movers operating within a 300-mile radius. Both new and established businesses can be considered, depending on underwriting criteria. Is prior insurance required to qualify?Yes, risks based in Florida and Illinois must have at least two years of prior commercial insurance. Other states may allow new ventures. What coverages are included in the program?The program includes liability, physical damage, cargo, crime, commercial auto, comprehensive, and property damage coverage options. How quickly can I get a quote?Chenango Brokers typically delivers a quote in less than 37 minutes once all required information is provided. In which states is this program available?The program is available in CT, FL, IL, MD, NJ, NY, PA, and RI, with a 300-mile operating radius limit. Need help placing an account? Connect with a market specialist.

Moving can be one of the most frustrating and costly experiences a person deals with at least once in their life. Preparing for a move involves various expenses—packing materials, hiring professional movers, transferring homeowners or renters insurance, and more. On top of that, there’s the added concern of keeping personal belongings safe during transport. Chenango Brokers, LLC offers a comprehensive Household Movers Insurance program designed to protect your clients in the moving industry. Whether you’re working with new ventures or established moving companies, this program helps safeguard both their equipment and their customers’ property during relocation. Ideal Accounts and Appetite This program is tailored for household goods movers operating within a 300-mile radius. It's ideal for local and regional moving companies transporting personal belongings, household furniture, and related items. Chenango Brokers can work with both new businesses and experienced movers, provided they meet underwriting requirements. Accounts must have prior commercial insurance experience in some cases—specifically, two years of prior coverage is required for risks based in Florida and Illinois. Chenango Brokers focuses on placing risks that need broad protection for both vehicles and cargo. Coverage Highlights and Advantages A strong Household Movers Insurance policy should provide protection for all parties involved during a move. Chenango Brokers’ program offers well-rounded coverage options to meet those needs, including: • Liability Coverage • Physical Damage • Cargo Insurance • Crime Coverage • Commercial Auto • Comprehensive Coverage • Property Damage These coverages help protect the moving company’s trucks and vans, the cargo being transported, and third-party property in the event of an accident, theft, or other covered loss. For example, if you have a client who owns a small fleet of moving trucks and is expanding services across neighboring states, this program can help provide the liability and cargo coverage they need to grow confidently. Underwriting Notes and Requirements Chenango Brokers underwrites with a focus on properly insuring risk exposures common to the household moving industry. A few key underwriting notes: 300-mile operational radius maximum for all risks Two years of prior commercial insurance required for FL and IL New ventures considered in other states Coverage may be admitted in some states Territories and Availability This program is currently available in the following states: CT, FL, IL, MD, NJ, NY, PA, and RI. While coverage is available on an admitted basis in some states, availability and terms may vary by jurisdiction. Why Work With Chenango Brokers With over 30 years of experience in the transportation and moving insurance sector, Chenango Brokers brings deep market knowledge and underwriting support to help you place accounts confidently and efficiently. As a wholesale broker, Chenango offers fast turnaround—typically delivering quotes in under 37 minutes—and works closely with retail agents to ensure their clients are properly protected. Explore the full program details and access resources on our Household Movers Insurance page, or contact our team directly to get started. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for local and regional household goods movers operating within a 300-mile radius. Both new and established businesses can be considered, depending on underwriting criteria. Is prior insurance required to qualify?Yes, risks based in Florida and Illinois must have at least two years of prior commercial insurance. Other states may allow new ventures. What coverages are included in the program?The program includes liability, physical damage, cargo, crime, commercial auto, comprehensive, and property damage coverage options. How quickly can I get a quote?Chenango Brokers typically delivers a quote in less than 37 minutes once all required information is provided. In which states is this program available?The program is available in CT, FL, IL, MD, NJ, NY, PA, and RI, with a 300-mile operating radius limit. Need help placing an account? Connect with a market specialist.