Moving & Storage Insurance
Built on decades of moving and storage experience and strong carrier relationships, we customize insurance programs for your unique operation. Our comprehensive solutions mitigate risk across all aspects of your business — protecting your balance sheet and helping you forecast costs with confidence.
Moving & Storage Isn’t One-Size-Fits-All
Every moving and storage operation is different. Whether you specialize in fine arts storage, white-glove delivery, military, commercial moving, general freight or warehousing , your exposures are shaped by the services you provide — not by a standard policy form.
From traditional placements to alternative risk transfer programs including high-deductible structures and captives, we build insurance solutions tailored to your specific operation, risk appetite and long-term business goals.
Move Faster with Smart Automation and Seamless Onboarding
When seasonal demand spikes, speed matters.
Our integrated booking and ordering systems automatically issue certificates of insurance the moment a move is booked, while streamlined onboarding processes let you add drivers quickly and confidently. This advanced technology platform eliminates friction, reduces administrative burden and keeps jobs moving without delay.
Leverage Alternative Structures to Manage Risk
Our innovative risk financing solutions enable you to become true partners with your insurer.
From large deductibles to structured excess programs and group captives, we go beyond traditional insurance to strategically manage risk and deliver long-term value tailored to your moving and storage business.
Reduce Risk to Safeguard Your Business
Our loss control and safety assessments identify high-risk areas and offer practical solutions. From slip-resistant shoes and improved walking surfaces to targeted spotter training, our interventions have reduced customer claims as much as 75%.
We conduct regular, detailed contract reviews to mitigate liability across operations. Quarterly coverage reviews ensure your insurance, warehouse protection and contractual safeguards stay aligned with evolving business needs.
Protect Operations with Strategic Claims Guidance
We integrate telematics collision detection into First Notice of Loss and reserve alerts, giving you real-time insights to address incidents before they escalate.
Our in-house legal team works to reduce high-stakes exposures, contain costs and ensure swift, effective resolutions. Monthly claim reviews combined with trend analysis help reduce risk, protect your business and improve profitability for sustainable growth.
Moving Your Insurance Program Forward
With over 150 years of combined experience, our team delivers tailored brokerage, consulting and risk management solutions for the moving and storage industry. Trusted by all major carriers, we provide comprehensive coverage to meet the unique needs of every operation.
Our focus is on niche moving and storage businesses. We take the time to understand your unique operation and provide solutions tailored to your specific risks and opportunities:
- Independent Moving and Storage Companies
- International Relocation Companies
- Van Lines
- Agents of Van Lines
- Final Mile Home Delivery Companies
- Warehouse and Logistics Companies
- Records Storage Companies
- Fine Arts Moving and Storage Companies
- Independent Contractors
From auto liability and customized cargo and warehouse legal coverage, to modified and structured umbrella coverage, our team assesses your unique needs and tailors a customized insurance program to keep you and your customers on the move.
Key products and coverages include:
- Truckers/Motor Carrier Liability and Physical Damage
- Cargo and Warehouse
- Customer’s Coverage - All Risk
- General Liability
- Contingent Liability
- Property
- Crime - Employee Dishonesty
- Moving Equipment
- Umbrella
- Owner Operator Programs: Workers’ Compensation, Occupational Accident, Non-Trucking Liability, Physical Damage
- Cyber Liability
- Professional Liability
- Management Liability: Directors & Officers (D&O) and Employment Practices Liability (EPL)
- Surety Bonds
- Employee Benefits: Medical, Dental, Vision, Life, Disability Worksite Benefits
- Alternative Risk Placement: Group Captive, Single Member Captive, Large Deductible and Retrospective Rating Programs
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Powered by FleetLytics
Partnering with Alliant gives your moving and storage operation access to FleetLytics, our proprietary fleet analytics platform designed specifically for transportation risk. Its centralized dashboard unifies safety, compliance, telematics and claims data to deliver real-time visibility into fleet activity and insurance pricing.
Key capabilities include collision detection and live alerts, instant claims reporting and tracking, automated driver onboarding and compliance, targeted training based on driver behavior, real-time corrective driver feedback and performance data integration with insurers.
Learn MoreMoving and Storage Insurance FAQs
Moving and storage insurance is a specialized suite of coverages designed to protect movers, warehouse operators and logistics providers from the unique risks of transporting, handling and storing customer property. Moving and storage insurance goes beyond standard transportation insurance by addressing the specific exposures faced by your operation, including fine art storage, white-glove delivery, military, commercial moving, general freight or warehousing.
Any business involved in moving, storing, handling or delivering property should carry moving and storage insurance. This includes independent moving and storage companies, international relocation companies, van lines, agents of van lines, final mile home delivery companies, warehouse and logistics companies, records storage operators and fine arts moving and storage companies. Moving and storage needs vary widely by each operation’s unique risks, and a brokerage with industry-specific expertise is highly beneficial to help secure the most optimal, right-sized coverage for your business.
Moving and storage companies face a distinct combination of risks that are unique to your industry and specific niche, including:
- Employee injuries from lifting and walk boards
- Backing and tight-site delivery accidents
- Damage to customer property
- Warehouse losses
- Contractual liability
- Seasonal spikes in claims during peak moving months
Without targeted risk management, these exposures can quickly drive higher losses and insurance costs.
Yes, moving and storage insurance does cover customer property when structured correctly. Moving and storage insurance can cover damage to customer property in transit and in storage through cargo, warehouse legal liability and related coverages. Proper contract language, bills of lading and alignment between operations and insurance are critical to ensuring proper coverage.
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