The pieces most movers carry
- Auto liability for trucks with the required federal filing
- Motor truck cargo with a BMC-34 filing for interstate household goods
- Physical damage on trucks and trailers
- Warehouse legal liability for goods in storage
- General liability for damage at customers' homes
- Workers compensation for crews
Federal and state layers
Interstate household goods carriers register with FMCSA and keep liability and cargo coverage on file. Moves that stay within one state are regulated by that state, and some states have their own mover licensing and insurance rules. Know which layer applies to each job.
Mover topics
BMC-34 cargo filing
The federal certificate showing an interstate household goods mover carries cargo insurance.
Learn moreValuation and customer claims
How released value and full value protection affect what a mover owes on a damaged item.
Learn moreStorage and warehouse
Covering customers' goods while they sit in your warehouse or storage vaults.
Learn moreNew moving authorities
What a new household goods carrier should line up before its authority goes active.
Learn moreFrequently asked 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.