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Old 09-05-2017, 09:16 AM   #1
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State: dhensonsc is an Insurance Agent from South Carolina
Coverage for Moving Company Coverage for Moving Company
I have a moving company that I' trying to write. What covers the movers from the time they move an item out of the home, i.e. a piano, to the time it is loaded on the truck? My client is telling they're not cover for that period of time with their current policy. Any help would be greatly appreciated.
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Old 09-05-2017, 10:59 AM   #2
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adjusterjack on Coverage for Moving Company
 
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Coverage for Moving Company Re: Coverage for Moving Company
It's a form of motor truck cargo insurance, sometimes called Household Goods Movers Motor Truck Cargo Coverage.

I found the following resources in an internet search:

Household Goods Movers - Cargo Insurance from TCB Insurance Programs

https://www.cargoinsurancecenter.com/

Home - Movers Select Insurance

There are probably many more sources of coverage, might be available through your standard carriers. If not, inquire with your E & S brokers.
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Old 09-07-2017, 09:03 AM   #3
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Coverage for Moving Company Re: Coverage for Moving Company
Moving things into or out of a truck/car is often times covered under the auto policy language. So they will have an auto policy that picks up that exposure then a motor truck cargo policy to cover the goods while in transit. Try movers choice program
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Old 09-07-2017, 11:01 AM   #4
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BADTROUT on Coverage for Moving Company
 
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Coverage for Moving Company Re: Coverage for Moving Company
You can also check out Insurance Journal Directories...

Find a Market - Fast - Insurance Journal Markets/Technology Directories

I've found many niche hard to place business opportunities by searching there. I looked up moving and movers and it looks like there are a couple programs.

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  Reply With Quote to Coverage for Moving Company
Old 09-07-2017, 02:58 PM   #5
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Coverage for Moving Company Re: Coverage for Moving Company dhensonsc is the thread starter for: Coverage for Moving Company

Thanks for the input. Commercial insurance is way tougher than home and auto. Any advice on selecting a niche market for a new agent with 25 years consumer & auto finance management experience? I certainly would appreciate any nuggets of info from veterans.
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Old 09-07-2017, 04:12 PM   #6
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Coverage for Moving Company Re: Coverage for Moving Company
Originally Posted by dhensonsc View Post
Thanks for the input. Commercial insurance is way tougher than home and auto. Any advice on selecting a niche market for a new agent with 25 years consumer & auto finance management experience? I certainly would appreciate any nuggets of info from veterans.
Do you know anyone else in auto finance? ie, in a car dealership?
I've seen some agencies blossom because they had a desk in a successful auto dealership.
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Old 09-13-2017, 11:39 AM   #7
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Coverage for Moving Company Re: Coverage for Moving Company
There are several specialty markets that write this class of business that will pick up the exposure under the GL by extending coverage under Care Custody and Control. Since they usually only provide a smaller sub limit, you would still need to quote a Cargo policy. I have numerous markets for this class of business depending on what State they are in. California requires a Cargo filing for this class of business.

Be happy to help you with this..

Good luck.
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