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Protect your business with coverage tailored to your moving activities
Handling heavy objects, accessing private property, driving with commercial trucks… The job of a mover involves significant risks. That’s why it’s essential to have specialized business insurance, offered by brokers, to effectively cover you in the event of a glitch.
Why take out moving company insurance?
- Breakage or loss of the customer’s property during transport
- Injuries to third parties during a move
- Property damage to buildings or furniture
- Accidents involving moving trucks or commercial trailers
- Contractual Liability to Customers
Recommended Coverages for Moving Companies
| Guarantee | Description |
|---|---|
| General Liability | Protects against third-party claims for personal injury or property damage. |
| Professional Liability | Covers faults or omissions in connection with a moving contract. |
| Cargo insurance (transported goods) | Covers loss or damage to customers’ property during transit. |
| Commercial Auto Insurance | Mandatory for vehicles used for commercial purposes. |
| Equipment and premises insurance | Protects warehouses, tools, hand trucks, and other professional equipment. |
Why use an insurance comparison tool for movers?
- Time saving: one quote for multiple insurers
- Personalized offers based on your fleet and services
- Avoid common exclusions in generic contracts
- Take advantage of the expertise of brokers specializing in transportation and customer service
Which insurers offer good insurance for movers?
| Insurer | Are you a specialist in moving companies? | Assessment (★) |
|---|---|---|
| Intact Insurance | Products suitable for mobile businesses | ★★★★★ |
| The Unique | Good coverage for SMEs in light transport | ★★★★☆ |
| Promutuel | Known for its personalized regional service | ★★★★☆ |
| Aviva insurance | Flexible products with broker support | ★★★★☆ |
| Economical | Competitive Fleet Pricing | ★★★☆☆ |
Est-ce que l’assurance couvre les biens des clients pendant le déménagement?
Yes, with cargo insurance, the goods transported are protected in case of loss, theft or damage.
Une assurance automobile personnelle suffit-elle pour mon camion de déménagement?
No. You must have commercial insurance for any vehicle used in your business.
Est-ce que je suis couvert si un client se blesse pendant un déménagement?
Yes, with general liability, you are protected against this type of incident.
What are the main coverages in moving company insurance insurance?
A typical moving company insurance insurance policy in Quebec includes: general civil liability (damage to third parties), commercial property (building, equipment, stock), equipment breakdown, business interruption (income loss after a claim), and depending on the sector, professional liability or cyber-risks. Exact coverage varies by insurer and profile — your partner broker tailors the policy to your operations.
What exclusions should I check before signing?
The most common exclusions in business insurance: intentional acts, normal wear and tear, claims occurring before the policy period, certain catastrophic risks (flood, earthquake — often optional), mobile equipment off-site, and undeclared activities. Always read the exclusion clauses and declare all your operations to avoid claim denial.
Can I bundle my moving company insurance insurance with auto or home?
Yes. Most of our AMF-certified partner brokerage firms offer multi-product bundling. Combining business insurance with auto or home can generate a discount of 10 to 15% on total premiums, plus simplified management (one point of contact, one renewal date). At Assur360, the quote systematically evaluates the bundled option.
How does professional liability (E&O) insurance work?
Professional liability (E&O) covers errors, omissions or negligence committed in the course of your profession, plus legal defence costs. It differs from general liability (which covers bodily or property damage to third parties). Depending on your sector, E&O can be strongly recommended or required by contract (e.g. by clients or professional associations).
How long does a moving company insurance quote via Assur360 take?
The online form takes 3 minutes to fill out. You’ll then receive a call or email from an AMF-certified partner brokerage firm (member of the Chamber of Insurance) within 24 to 48 business hours with a personalized quote for your business. The quote is free and no obligation — you’re free to accept, decline, or negotiate.
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Protect your business at the best price
Our AMF-certified brokers compare several insurers to find you the best business coverage.