Business Insurance

Moving & Storage

Moving & Storage Insurance

As an operating company of IAT Insurance Group, TransGuard has become a trusted name in the moving and storage industry

With decades of experience in commercial transportation and a deep understanding of the moving and storage sector, IAT is committed to providing movers with comprehensive insurance coverage. From independent to vanline customers, we offer flexible solutions and broad coverage options to meet the specific and evolving needs of household goods, office and industrial goods, and military household moving and storage companies.

Why is the Right Insurance Carrier Important for Moving and Storage Companies?

Insurance provides a safety net that ensures both the company and its clients are protected from potential losses. From damage to goods during transportation to accidents caused by improper handling or unforeseen events like fires, moving and storage businesses face significant exposure. Without proper coverage, these risks can lead to costly claims, loss of client trust, and serious financial setbacks.

IAT TransGuard not only provides dedicated underwriters to customize coverage but also moving and storage loss control experts to assist you in reducing risk. As some claims can’t be avoided, our expert claims team is here to help manage the financial impact of these losses, allowing businesses to continue operating smoothly even when unexpected incidents occur.

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IAT’s Moving and Storage Solutions

At IAT, we don’t believe in one-size-fits-all solutions. That’s why our Moving and Storage Insurance program offers a wide range of coverage options tailored to meet the unique needs of independent and vanline customers transporting or storing goods. With specialized underwriters coast to coast, we work directly with agents to tailor insurance coverage to protect operations that move and store household, military household, office, and industrial goods. Program highlights include:

Single occurrence deductible regardless of the number of coverages impacted.
Blanket Additional Insured Auto and General Liability forms that satisfy many requirements when a mover completes a move at a third-party premises.
Expanded Medical Payments for “Temporary Workers.”
Transit and Storage Gap Coverage to comply with Department of Defense (DoD) military household goods moves regulations and requirements.
Flexible direct bill plans to meet movers’ specific needs.

Broad Risk Appetite for Evolving Operations

We work with best-in-class household goods moving and storage companies across the U.S. to find solutions unique to their ancillary operations, such as:

Final Mile Delivery

Protection for companies responsible for delivering goods from transportation hubs directly to homes or businesses.

Day Movers

Coverage for short-distance, same-day moving services.

Warehouses

Safeguards against damage or loss for operations storing goods long-term or temporarily.

Record Storage

Designed for businesses specializing in archiving and protecting sensitive information.

Self-Storage

Custom protection for minimal self-storage facilities, covering potential risks to both the operator and the stored goods of clients.

General Freight

Comprehensive solutions for companies hauling a variety of goods, from packaged products to bulk shipments.

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Hospitality Logistics

Tailored coverage for logistics companies servicing hotels, restaurants, and event spaces.

Shredding

Safeguarding companies specializing in document destruction from liability risks and other operational hazards.

Coverage Options

IAT TransGuard offers a package policy that includes the following coverage on an admitted basis, as well as a supported Umbrella policy.

*Coverage is available in all states except MA and HI.

Motor Carrier Liability

Essential protection against third-party bodily injury and property damage claims arising from the operation of commercial vehicles.

Physical Damage

Protects vehicles from loss or damage due to collisions, theft, vandalism, or natural disasters.

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Cargo

Protection for goods in transit, covering damage, theft, or loss of cargo while being transported from one location to another.

Warehouses

Coverage for the stored goods and the warehouse itself, offering protection against damage from fires, natural disasters, and other risks.

Equipment

Insurance for the moving and storage equipment, including dollies, forklifts, and other specialized tools, covering loss or damage during use or transport.

Commercial Property

Coverage for buildings, terminals, and other property assets critical to the moving and storage operation.

Crime

Protects against financial loss due to theft, fraud, or other criminal acts impacting the business.

General Liability

Comprehensive protection against a wide range of third-party claims, including bodily injury, property damage, and personal injury.

Partner with IAT Insurance Group

At IAT Insurance Group, we offer coverage custom to the crate. With flexible payment options, comprehensive coverage enhancements, and dedicated Loss Control support, our coverage options are tailored to meet the unique operational needs of moving and storage companies. Rely on our expert underwriters and Loss Control staff, strategically positioned across the country, to ensure responsive, personalized service that keeps America moving.

Additional Resources

TransGuard Broker Portal

Visit the TransGuard broker login portal

Claims Center

Our experienced team is here with answers. We’re committed to making your claims experience as smooth as possible.

Report a claim

Loss Control

We provide support beyond the policy. Our Loss Control experts are located throughout the country to help businesses manage risks.

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