Moving companies have some of the highest injury rates of any service business. Heavy lifting, tight stairwells, loading docks, and long hours create a demanding physical environment where back injuries and accidents are common. Workers comp is essential and required for any moving company with employees.
Common Claims in the Moving Industry
Back and shoulder injuries from lifting furniture and appliances are the most frequent claims in moving. Slip-and-fall accidents while carrying items on wet or uneven surfaces also occur regularly. Vehicle accidents during transport, hand and finger injuries from furniture and doorways, and heat-related illness during summer moves round out the most common claim types.
Workers Comp and Commercial Auto for Movers
Moving companies need both workers comp and commercial auto insurance. Workers comp covers employee injuries on the job including loading, unloading, and transport. Commercial auto covers vehicle damage and third-party liability if your truck is involved in an accident. The two coverages work together but cover different exposures entirely.
Controlling Workers Comp Costs for Movers
Safe lifting training and proper equipment like dollies, straps, and ramps reduce injury frequency. Background checks on new hires and solid hiring standards reduce the risk of injury-prone workers entering your crew. A clean claims history builds a favorable experience modifier over time and reduces your premium.
Get a Free Moving Company Workers Comp Quote
Comp Matters Inc. writes workers comp for moving companies across the East Coast. Call (631) 248-2500 for a free quote from multiple carriers.
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