About this service
Is BMC-34 an insurance company?
No. It is a request website. Insurers and licensed agents provide coverage and file forms.
Does it cost anything?
No. Requests are free.
Is this site run by FMCSA?
No. It has no connection to any government agency.
Who will contact me?
A licensed agent or partner who writes coverage for movers may contact you by phone, text or email as agreed.
How do I opt out?
Reply STOP, ask the caller to stop, or use the form on the privacy page.
Mover coverage questions
Do local movers need a BMC-34?
The BMC-34 is a federal filing for interstate household goods carriers. Local-only movers follow their state's rules, which may have different requirements.
Does the BMC-34 replace my liability filing?
No. Movers need both the liability filing and the cargo filing.
Can a customer buy separate insurance?
Some customers buy third-party moving insurance. That is separate from the mover's valuation and cargo coverage.
Does my building insurance cover customers' goods?
Usually not. Property insurance on the building covers your property, not the liability for goods you hold for others.
Can a new mover get cargo coverage?
Yes, though options may be narrower at first and depend heavily on experience.