Moving Company Insurance in Texas
Texas has no state-mandated coverage for moving companys on record, but the recommended coverages below still apply.
Texas requirements
| Coverage | Required? | Minimum | Notes |
|---|---|---|---|
| Workers' Compensation | Optional | Statutory | Texas is the only state where workers' comp is optional for private employers. |
State regulator: Texas Department of Insurance
Coverage checklist
| Coverage | Requirement | Annual cost |
|---|---|---|
| Commercial AutoCA | Required | $2,080–$5,200/yr |
| General LiabilityGL | Required | $624–$1,560/yr |
| Workers' CompensationWC | Required | $3,120–$8,320/yr |
| Inland Marine / Tools & EquipmentIM | Recommended | $416–$1,248/yr |
| Business Owner's PolicyBOP | Optional | $728–$2,080/yr |
| Commercial PropertyCP | Optional | $728–$2,600/yr |
Cost breakdown
- ·Truck size
- ·Fleet size
- ·Driving radius
- ·Interstate authority
Required for box trucks; interstate movers need DOT-compliant coverage.
- ·Residential vs. commercial
- ·Crew size
- ·Revenue
Covers damage to a home or business and injury during loading; many commercial clients require it.
- ·Payroll
- ·Crew size
- ·Heavy lifting
Required once you have employees; back and lifting injuries are frequent.
- ·Customer goods value
Cargo legal liability / released-value coverage for customer goods in transit.
- ·Office/storage
If you lease an office or warehouse.
- ·Warehouse ownership
If you own/lease a warehouse.
Best carriers for moving company
Moving Company insurance in Texas — FAQ
Do moving companies need insurance?+
Yes. Commercial auto is required for moving trucks, general liability covers damage to a home during loading, and workers' comp is required once you have employee movers. Interstate movers also need DOT-compliant coverage.
How much does moving company insurance cost?+
Commercial auto runs $2,000–$5,000 per truck, general liability $600–$1,500, and workers' comp $3,000–$8,000 depending on payroll. Total for a small fleet often reaches $8,000–$20,000 per year.
What's the difference between released value and full-value protection?+
Released value (default, minimal per-pound) and full-value protection (full repair/replacement) are two levels of cargo liability for customer goods. Many customers expect full-value, which costs more.
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