Insurance for Household Movers in Texas

Businesses that specialize in the moving of household items from one location to another sometimes mistakenly think that a trucking insurance is what they need. What may not seem obvious is that, while household movers do use trucks to transport a client's belongings from one place to another, there is actually more to this business than just that. Household moving companies should take note that more and more people are looking for movers that carry a comprehensive insurance package, especially made for household movers. This assures customers that the company is serious about keeping their belongings protected.

If you are a household mover, you should make sure that you have the right kind of policy for your business. There are numerous policies that you can consider securing for your company, and these can help protect you from a wide array of issues that may arise from your line of work. To get you started, here are some of the insurance policy types home movers usually find themselves getting for their enterprise.

  • Commercial general liability insuranceCommercial general liability insurance is a standard policy that can protect you from claims of property damage, bodily injury, or advertising injury. This policy protects you from the financial burden that may come from clients suing you for these things.
  • Motor truck cargo liability insurance - This protects the items that are being moved by your company from one location to another. The motor truck cargo liability insurance policy covers items in transit and pays for any damage or losses that may occur while your client's items are being transported. If, for instance, the items break, become lost, or get stolen while in transit, this policy will shoulder the costs of their repair, or replacement.
  • Commercial auto insurance – Your company uses trucks to transport the items your client wants moved from one place to another. Whether you like it or not, the possibility of accidents happening while your company-owned vehicle is moving from point A to point B will always be there. Having commercial auto insurance for your trucks and other company-owned vehicles will cover any physical damage that may arise out of mishaps. Additionally, this kind of a policy also comes with uninsured as well as underinsured motorist coverage, as well as personal injury protection.
  • Workers' compensation insurance – Household movers often have more than one employee working on the task of moving a client's belongings from one place to another. If you are serious about protecting your business and are concerned about the welfare of your employees, then workers' compensation insurance is a must. This particular policy covers claims for loss of income should a worker find themselves temporarily disabled due to an accident on the job. This also helps with medical bills for injuries or illnesses your worker may suffer or acquire, and it also covers vocational rehabilitation costs.

When you need insurance policies for your household moving company, Quote Texas Insurance can help. Contact us for your inquiries, and we will be more than happy to answer your questions regarding what policies your company should have and what other services we can offer you. We will get back to you quickly!