Moving Company Insurance in District of Columbia
District of Columbia requires Workers' Compensation for moving companys. See the checklist below for the full breakdown and costs.
District of Columbia coverage requirements
| Coverage | Required? | Minimum | Notes |
|---|---|---|---|
| Workers' Compensation | Required | Statutory | Required once you have W-2 employees; statutory limits apply. |
State regulator: DC Department of Insurance, Securities and Banking
Coverage checklist
| Coverage | Requirement | Annual cost |
|---|---|---|
| Commercial AutoCA | Required | $2,360–$5,900/yr |
| General LiabilityGL | Required | $708–$1,770/yr |
| Workers' CompensationWC | Required | $3,540–$9,440/yr |
| Inland Marine / Tools & EquipmentIM | Recommended | $472–$1,416/yr |
| Business Owner's PolicyBOP | Optional | $826–$2,360/yr |
| Commercial PropertyCP | Optional | $826–$2,950/yr |
Cost breakdown
- ·Truck size
- ·Fleet size
- ·Driving radius
- ·Interstate authority
Required for box trucks; interstate movers need DOT-compliant coverage.
- ·Residential vs. commercial
- ·Crew size
- ·Revenue
Covers damage to a home or business and injury during loading; many commercial clients require it.
- ·Payroll
- ·Crew size
- ·Heavy lifting
Required once you have employees; back and lifting injuries are frequent.
- ·Customer goods value
Cargo legal liability / released-value coverage for customer goods in transit.
- ·Office/storage
If you lease an office or warehouse.
- ·Warehouse ownership
If you own/lease a warehouse.
Best carriers for moving company
Moving Company insurance in District of Columbia — FAQ
Do moving companies need insurance?+
Yes. Commercial auto is required for moving trucks, general liability covers damage to a home during loading, and workers' comp is required once you have employee movers. Interstate movers also need DOT-compliant coverage.
How much does moving company insurance cost?+
Commercial auto runs $2,000–$5,000 per truck, general liability $600–$1,500, and workers' comp $3,000–$8,000 depending on payroll. Total for a small fleet often reaches $8,000–$20,000 per year.
What's the difference between released value and full-value protection?+
Released value (default, minimal per-pound) and full-value protection (full repair/replacement) are two levels of cargo liability for customer goods. Many customers expect full-value, which costs more.
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