Moving & Storage Insurance

Comprehensive Coverage for Movers, Warehouses & Storage Providers

In the moving and storage industry, every day comes with physical risks, regulatory hurdles, and high-value cargo on the line. From local moving crews to national warehousing and logistics providers, businesses in this sector face unique exposures that standard policies simply don’t cover.

Heffernan Insurance Brokers delivers tailored Moving and Storage Insurance solutions to protect your vehicles, cargo, employees, property, and reputation so you can focus on what you do best: moving forward.

What Is Moving & Storage Insurance?

Moving & Storage Insurance is a specialized commercial insurance program built for companies that transport and/or store goods. It combines commercial auto, cargo, warehouse liability, and other essential coverages into one cohesive package that reflects the risks of this highly physical and mobile industry.

Whether you operate a full-service moving company, manage a self-storage facility, or oversee warehouse logistics, we design insurance programs that keep your business running, no matter what’s in transit or on-site.

Why Moving & Storage Companies Need Specialized Insurance

From loading docks to long-haul highways, moving and storage businesses face constant exposure to liability, property damage, and operational disruption. The right insurance safeguards against:

• Accidents involving moving trucks or employee drivers
• Damage or theft of client belongings in transit or storage
• Slip-and-fall injuries at your warehouse or facility
• Equipment breakdowns that halt jobs
• Natural disasters that impact inventory or buildings
• Business interruptions due to loss or damage

Specialized insurance keeps you compliant, credible, and financially secure.

What Does Moving & Storage Insurance Cover?

Heffernan offers a comprehensive suite of insurance products tailored for the moving and storage industry.

Commercial Auto & Truck Insurance

• Covers trucks, vans, and company vehicles used for transporting goods
• Includes liability, collision, and physical damage coverage
• Essential for companies with dedicated delivery or moving fleets

Cargo Insurance

• Protects the value of goods in transit
• Covers damage, theft, spoilage, or loss during transport
• Required for handling fragile, high-value, or customer-owned items

General Liability Insurance

• Covers third-party bodily injury and property damage
• Applies to incidents during moves, at your facility, or on customer property

Workers’ Compensation Insurance

• Covers injuries to employees during loading, driving, or warehouse work
• Helps with medical costs, wage replacement, and rehabilitation
• Required by law in most states

Warehouse Legal Liability

• Protects against claims related to loss or damage of goods in your care, custody, or control
• Essential for long-term or high-volume storage operations

Business Interruption Insurance

• Replaces lost income after a covered event (fire, storm, etc.)
• Helps cover fixed costs and recover faster after downtime

Equipment Breakdown Insurance

• Covers breakdown of essential tools like forklifts, loading ramps, HVAC, and warehouse machinery
• Helps avoid costly delays due to failed mechanical systems

Excess Liability / Umbrella Coverage

• Adds higher limits on top of your primary liability policies
• Essential for large fleets, high-value storage, or high-risk operations

Who Needs Moving & Storage Insurance?

We work with a wide variety of businesses in the relocation and storage industries, including:

• Local and long-distance moving companies
• Commercial and household movers
• Self-storage facilities and mini-storage providers
• Full-service moving companies (packing, transport, unpacking)
• Warehouses and third-party logistics providers (3PLs)
• Specialized movers for fine art, medical equipment, or office relocations
• Freight carriers offering storage or final-mile solutions

If your business moves, stores, or manages physical goods, you need the right insurance foundation.

How Much Does Moving & Storage Insurance Cost?

Insurance pricing depends on several key factors, including:

• Business type and operational scope (moving vs. storage)
• Size and age of your fleet
• Nature and value of goods handled
• Employee headcount and injury history
• Facility size and location
• Coverage limits and deductibles
• Claims history and safety protocols

We’ll tailor a quote that reflects your true exposures while optimizing for affordability.