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Residential, commercial or industrial: a moving company accumulates risks. Fleet of trucks, customer belongings, carrier liability, warehousing — our brokers combine all the essential protections.
A moving company transports its customers’ most valuable belongings every day: furniture, electronics, artwork, commercial equipment, archives. A truck rollover, fire, theft, accidental breakage or a customer claim for loss of value can quickly reach tens of thousands of dollars. Insurance adapted to the moving sector combines carrier liability, commercial liability, car fleet, property and storage.
The 6 Essential Blankets for a Mover
Carrier liability (cargo)
Customer property in transit: loss, theft, damage, fire. Usual limit: $50,000 to $250,000 per load.
Damage to real estate (walls, floors), injury caused to a third party during the move.
Storage
Customer property stored on your premises: theft, fire, water damage, vermin, humidity.
Company assets
Material handling equipment, hand trucks, carts, tools, office furniture.
Business interruption
Loss of revenue if your warehouse or trucks are immobilized following a disaster.
💡 Broker’s advice
Cargo liability is often confused with commercial liability. Both are necessary: cargo liability covers the goods entrusted to the carrier; Commercial liability covers damage caused to third parties (walls, stairwell, injuries). A policy that only contains commercial liability leaves customers’ belongings uncovered — a $25,000 claim for a damaged piano would then come straight out of your pocket.
Frequently Asked Questions
How much does moving company insurance cost in Quebec?
For a company of 2 to 5 trucks with a turnover of $500,000 to $1.5 million: between $6,000 and $18,000 per year in total premium (fleet + RC + cargo). Movers of artwork, concert pianos or medical equipment pay more because of the value of the goods being transported.
What RC limit do my business customers require?
Commercial contracts typically require a commercial liability of $2 million to $5 million. Institutional moves (government, hospitals, universities) often require $5 million to $10 million, plus the addition of the client as an additional insured.
Are customers’ belongings covered at their full value?
By default, the Transportation Act provides for a basic allowance of $0.60/pound/item — often insufficient. We recommend full value protection which compensates for the replacement cost. This option increases the premium from 15% to 25%.
Are my temporary employees covered?
Yes, through your liability insurance and CNESST coverage. Please note: self-employed workers hired by the day must have their own coverage or be declared to the CNESST. A check demonstrating non-compliance can result in fines and reduced coverage.
Am I covered if I move outside Quebec?
Most policies cover all of Canada by default. For moves to the United States, a “US trucking” endorsement is required (10 to 20% premium addition). International maritime moves require a separate marine cargo policy.
What to do in the event of a complaint from a customer?
Document immediately: before/after photos, signed inventory form, staff testimonials. Notify your broker within 48 hours. Do not sign any acknowledgements of liability before the insurer has made a decision. Informal settlements must be approved by the company.
Are weight training equipment, pianos and artwork covered?
Yes, but often subject to sub-limits : $5,000 to $10,000 per item by default. For high-value items (concert piano, $25,000 > work of art, wine cellar), a declared value endorsement is required with invoice or appraisal.
My warehouse is rented — am I responsible for the stored goods?
Yes — you are the custodian of the property. In the event of fire, theft or water damage in the warehouse, your warehouseman’s legal liability policy takes care of compensating customers. Limits range from $100,000 to $1 million depending on the volume of storage.
Do I have to declare each move to my insurer?
No, not individually — your policy is usually based on estimated annual revenue. An annual adjustment is made at the end of the year based on your actual income. However, exceptional loads (value> $500,000, moving valuable works of art) must be declared in advance.
Moving companies throughout Quebec
Assur360 supports businesses throughout Quebec: Montreal, Quebec City, Laval, Gatineau, Longueuil, Sherbrooke, Trois-Rivières and Saguenay. Our brokers serve residential and commercial movers of all sizes, from family businesses to fleets of 20+ trucks. We know the regional particularities: heavy traffic in Montreal, long trips in Abitibi, municipal requirements in Quebec City.
100% online quote, free of charge, with comparison of several Canadian insurers.
