Coverage for Florida intrastate movers — built for FDACS registration under Chapter 507, the state’s mover consumer-protection law, and the FMCSA filings interstate movers need.
Florida regulates intrastate movers through the Department of Agriculture and Consumer Services, not a DOT — and its mover law, Chapter 507, is one of the most consumer-protection-focused in the country. Any company that moves household goods within Florida for compensation must register with FDACS and follow the law’s contract, estimate, and disclosure rules. Here is what that means for your coverage.
Florida intrastate movers are regulated by the Florida Department of Agriculture and Consumer Services (FDACS) under Chapter 507, Florida Statutes. A company that offers or performs intrastate moves of household goods for compensation must register with FDACS, and the law sets detailed rules on written estimates, contracts, deposits, and how a mover may handle a customer’s goods.
Chapter 507 is heavily consumer-protection-oriented: it governs how movers must disclose terms, prohibits holding a customer’s goods hostage over a disputed bill, and gives FDACS enforcement authority. The consumer-rights guidance from FDACS spells out what customers can expect — which is, in effect, the standard your operation has to meet.
Florida movers must register with FDACS and operate within the Chapter 507 rules, and the practical insurance requirements are driven by the customers and partners you serve. Corporate relocation accounts, property managers requiring a certificate before crews enter a building, and van-line agency agreements typically push commercial auto to a $1M combined single limit with $1M/$2M general liability and a cargo limit sized to the loads you carry. Movers that store goods in Florida need warehouse legal liability on top of transit cargo, since storage is a frequent add-on for Florida movers serving seasonal and snowbird relocations.
A Florida company that moves household goods across state lines also needs federal authority. Interstate household-goods carriers must hold a USDOT number and keep $750,000 public-liability and $5,000 cargo on file with the FMCSA, plus an MCS-90 endorsement on the liability policy, per the FMCSA insurance requirements. We coordinate the FDACS registration and the FMCSA filings together so neither lapses and your certificates stay consistent across intrastate and interstate work.
Tell us about your operation and your loss history — we’ll confirm we can write Florida and structure the limits to match.