If you’re planning a move, one important question you might ask is, “Are movers insured?” The quick answer is: they should be. When a moving company is bonded and insured, it means they’ve taken steps to protect their customers and themselves financially in case something goes wrong. Think of it this way—if your antique dresser gets damaged or lost during the move, an insured company can compensate you. Similarly, if a mover accidentally injures themselves on your property, their insurance handles it, not you. Bonding adds another layer of protection, ensuring the company follows legal and ethical practices. It shows commitment to professionalism and responsibility.
What Does It Mean When Movers Are Insured?
When asking, “Are movers insured?” it’s essential to understand the different types of insurance and what protections they offer. Not all “insurance” is the same, and a reputable moving company should clearly explain their coverage.
Types of Insurance Movers May Carry
- General Liability Insurance: Covers property damage or bodily injury that occurs during the move, typically on-premises.
- Workers’ Compensation: Protects you from liability if a mover is injured while working on your property.
- Cargo Insurance: Covers your belongings while they’re being transported. This is especially important if items are lost, stolen, or damaged during transit.
- Released Value Protection: This is a basic coverage that’s included at no additional cost but offers limited protection—usually about 60 cents per pound of the item.
- Full Value Protection: A more comprehensive plan that ensures the moving company is liable for either repairing the item, replacing it, or offering a cash settlement.
How to Know If Movers Are Properly Insured
Many companies may advertise that they are “insured and bonded,” but you should always verify this before booking. Here’s how:
- Ask for a Certificate of Insurance (COI): Reputable movers will provide this upon request.
- Check the DOT Number: Interstate movers should have a U.S. Department of Transportation (DOT) number, and you can check their insurance status on the FMCSA website.
- Review Your Quote: The moving estimate should include a breakdown of any insurance included and any optional coverage you can purchase.
What Happens If Your Movers Aren’t Insured?
If you end up hiring movers who aren’t insured, you could be taking on significant risks:
- Damage to Your Belongings: Without insurance, there is no guaranteed compensation for damaged or lost items.
- Liability for Injuries: If a worker is hurt on your property, you could be held responsible without workers’ compensation coverage in place.
- Poor Business Practices: A lack of insurance often signals a less-than-professional operation, which can lead to additional frustrations and hidden fees.
Why Being Bonded Also Matters
In addition to asking “Are movers insured?”, you should also ask if the company is bonded. Being bonded means the moving company has purchased a surety bond that protects you if they fail to fulfill their contractual obligations.
Benefits of a Bonded Moving Company
- Protection against fraud or theft
- Peace of mind knowing you’re working with a legally compliant business
- Safe resolution if services aren’t delivered as agreed
Are Movers Insured for Long-Distance Moves?
Yes, but the type and scope of insurance can vary. Long-distance movers, in particular, are required by law to offer at least Released Value Protection. If you’re moving between states, always verify that:
- Your movers are registered with the FMCSA
- Their cargo insurance covers cross-state transportation
- They provide a clear valuation option on your quote
Are Movers Insured in Local Moves Too?
Yes, local movers should also carry appropriate insurance. In these cases, it’s equally important to check for:
- Workers’ compensation to protect you from on-site accidents
- General liability in case of accidental damage to your home or property
- Cargo insurance that covers your items from house to truck to new location
How to Protect Yourself When Hiring a Moving Company
To make sure you’re working with insured movers, follow these best practices:
- Get it in writing: Any mention of insurance should be clearly outlined in your estimate or contract.
- Ask for proof: A legitimate company won’t hesitate to provide insurance certificates.
- Read the fine print: Know what the insurance covers and doesn’t cover. Some policies may exclude certain high-value items.
- Consider extra coverage: For valuable possessions, consider buying additional third-party insurance for added protection.
Are Movers Insured? A Quick Comparison Table
| Type of Insurance | What It Covers | Who It Benefits |
|---|---|---|
| General Liability | Damage to your home or property | Customer |
| Workers’ Compensation | Injuries to employees on duty | Customer & Employee |
| Cargo Insurance | Loss or damage to belongings | Customer |
| Released Value Protection | Basic coverage at 60¢ per pound | Customer |
| Full Value Protection | Repairs, replacement, or full reimbursement | Customer |
Real-Life Example: Why Insurance Matters
Imagine you hire a low-cost moving company that skips out on proper insurance. During the move, your TV gets dropped and shattered, and the mover injures his back. Without proper coverage:
- You may be stuck replacing the TV out-of-pocket.
- You could be liable for the mover’s medical expenses.
Choosing movers that are insured not only protects your belongings—it protects your peace of mind.
Questions to Ask Before You Hire
Here are some smart questions to ask companies before confirming your booking:
- Are your movers insured and bonded?
- What type of coverage do you provide?
- Are there any deductibles or coverage limitations?
- Can I purchase extra insurance through you or a third party?
When you ask, “Are movers insured?”, don’t settle for a yes or no. Get the details, read the documents, and make sure you’re covered no matter what.
Weighing the Cost vs. the Risk
While hiring insured movers may come at a slightly higher cost, the protection they offer is well worth it. Accidents happen—even with the most careful teams. Whether it’s a cross-town move or a cross-country relocation, the right insurance plan makes a huge difference.
Here’s Why It Matters:
- Peace of mind on moving day
- Financial protection from unexpected loss or damage
- Professionalism and credibility from your moving company
Your Move, Your Safety Net: Don’t Risk the Unknown
So, are movers insured? They absolutely should be. Choosing a company that carries proper insurance and bonding tells you they are professional, legitimate, and care about your belongings and your safety. It’s more than just a checkbox—it’s a critical part of managing risk during one of life’s most stressful events. Don’t be shy about asking upfront and verifying their coverage. It could save you time, money, and a whole lot of stress.
When planning your next move, spend a few extra minutes to ask the important question: are movers insured? Then follow it up by making sure the answer isn’t just “yes”—but the right kind of “yes”.
Frequently Asked Questions
Are professional movers insured?
What kind of insurance should a moving company have?
How can I verify if a mover is insured?
Do movers offer insurance for damaged or lost items?
Am I liable if a mover gets injured on my property?
Ready to Move With Confidence? High Level Moving Company Calgary Has You Covered
Don’t leave your belongings—and peace of mind—to chance. Choose High-Level Movers Calgary Moving Company for fully insured, bonded, and professional moving services. Whether you’re moving locally or long-distance, our team is prepared to protect what matters most with the right coverage, clear communication, and exceptional care. Get a free quote today and move with confidence knowing you’re in the safest hands.
