Difference between Standard Mover and a Day Mover

Over the years, my experience as an underwriter has demanded many, many conversations with Insurance professionals, as well as Movers, regarding the differences between a “Day Mover” and “Standard Mover”.  Though, there are many differences that I’ll note below, the easy answer to this question is a Standard Mover Day has a warehouse to store clients’ goods in and a Day Mover does not.

Day Mover:  This is a Mover without a warehouse. Unique, in that it is specifically designed for the moving operation. Usually completes their contracts within a day’s work.

• Cargo policy would be restricted to a $.60 per pound valuation and subject to program minimum premium
• Normal radius of operations typically local/intermediate (less than 250 miles)
• The valuation limitation can be reviewed based on claims history, years in business and filing status- to see if qualified to remove the limitation.
• Typical fleet consists of box trucks.
• Independent mover (no valine affiliation)
• State filings (not typical to issue ICC filings; though there are exceptions in our program)
• Usually write the auto, GL and IM lines for day movers. Typically, no property.
• The idea behind writing Day Movers is the hope they grow the business and move into the Standard Mover program

Standard Mover: Full service mover with a warehouse.

• Has both state filings and ICC filings
• Both Van-line affiliated and independent movers
• Write Auto, GL, property, crime and Inland marine
• Typical to see fleet of light service trucks, box trucks, tractors and trailers

We are excited to write both Day Movers and Standard Movers in our program; “here is to new beginnings, new adventures, and moving to new places!”

Written By: Michelle Whitecotton

Michelle has been with Paul Hanson Partners for 18 years, quickly becoming a leader in the Underwriting Department for the last 11 years. She was an integral part of the team in transitioning the company to becoming paperless back in 2004 and continues to be an essential team member throughout all departments. In her spare time, Michelle enjoys spending time reading, baking and spending time outdoors hiking and fishing.