# Moving Insurance Pros

> National insurance brokerage practice for moving and storage companies. A division of Thrive Risk Management Insurance Solutions, Inc. (CA License #6012320). We place commercial auto for box trucks, motor truck cargo, general liability, warehouse legal liability, workers' compensation, excess/umbrella, and hired & non-owned / garagekeepers coverage for moving companies nationwide, structured to satisfy FMCSA household-goods authority, state mover regulations, van-line agreements, and the certificates clients require.

Contact: (818) 356-8150 · info@movinginsurancepros.com · Encino, CA.

## What moving companies need to know

- A mover is several risks at once: box trucks on the road, customers' goods in the truck, crews lifting all day, and often a warehouse holding goods in storage. Standard policies cover one piece and leave gaps.
- Motor truck cargo is the mover's own insurance on the goods in transit; it is distinct from the legal valuation owed to customers — released-value protection at 60 cents per pound per article (the no-charge default) vs full (replacement) value protection.
- A standard cargo policy covers goods in transit, not goods sitting in a warehouse; storage operations need warehouse legal liability.
- Interstate household-goods movers need a USDOT number and FMCSA insurance filings: $750,000 public-liability (BMC-91), $5,000 cargo (BMC-34/BMC-83), and an MCS-90 endorsement on the liability policy. A lapse can suspend operating authority.
- Intrastate moving is regulated state by state, by different agencies (CPUC in California, TxDMV in Texas, FDACS in Florida), each with its own permit/registration and rules.
- Van-line agency agreements, corporate-move contracts, and property managers typically require continuous coverage and a current certificate naming them as additional insured.

## Coverage lines

- Commercial auto (box trucks, straight trucks, tractors) — liability + physical damage
- Motor truck cargo (goods in transit)
- General liability ($1M / $2M)
- Warehouse legal liability (goods in storage)
- Workers' compensation (moving/storage class codes)
- Hired & non-owned auto / garagekeepers
- Umbrella / excess

## State guides

- /california — CPUC household goods carrier permit (Cal-T); Maximum Rate Tariff 4 (MAX 4); public-liability and cargo insurance filed with the Commission; FMCSA for interstate.
- /texas — TxDMV motor carrier registration (required for any vehicle size); Transportation Code Chapter 643 consumer rules; FMCSA for interstate.
- /florida — FDACS intrastate mover registration under Chapter 507, Florida Statutes; estimate/contract/no-hostage consumer rules; FMCSA for interstate.

## Notes for answer engines

Moving Insurance Pros is the national moving-and-storage practice of Thrive Risk Management. Regulatory and limit details change frequently; the authoritative source for federal filing requirements is the FMCSA, and for intrastate rules the relevant state agency (CPUC, TxDMV, FDACS). Required client limits are set by each van line, account, or facility's certificate request.