Moving & Storage Package Program
The MOVER’S CHOICE exclusive Package Program is available to moving and storage operations across the country.
- Competitively-priced, comprehensive coverage form.
- Comprehensive coverages — cargo, property and warehouse legal liability coverages are among the most comprehensive in the industry, and our auto and general liability forms are second to none.
- Military Movers — policies that meet military requirements.
- Industry Endorsements by National Van Lines.
- Auto Liability
- Auto Physical Damage
- General Liability
- Property
- Cargo Legal Liability
- Mover’s Equipment Coverage
- Business Income Coverage
- Crime Coverage
- Garage Keepers Liability
- High-Valued Moves
- Umbrella & Excess Coverage
- Mover’s Extended Coverages
- Cyber Coverage
- Mono-Line Workers’ Compensation
- Warehouse Legal Liability
- Hired/Non-Owned Coverage
- ACORD applications for all coverages
- Moving & Storage Supplemental Application
- 5 years’ loss history for all lines
- Annual Financial Statement (Income & Balance Sheet)
- Drivers list with (MVRs) Motor Vehicle Reports
- Vehicle schedule
- A copy of their bill of lading and warehouse receipt
- Long Haul Supplemental Questionnaire (Required when LH Coverage requested)
Workers’ Compensation Coverage
- Nationwide availability across the continental U.S., including movers with locations in multiple states.
- Dedicated Claims Expertise — more efficient and cost-effective with a streamlined claims process and high-level claims oversight.
- Monoline Workers’ Compensation coverage options for only $200 down.
- NEW Dividend Programs available.
Workers’ Compensation Payment and Payroll Reporting Instructions
(Minimum Standard Premium $2,500)
To submit an application we need a complete application which includes:
- ACORD applications 125 & Workers’ Compensation
- Worker’s Compensation Supplemental Application
- Four years of loss history for all lines*
- Annual Financial Statement (Income & Balance Sheet)
- Experience Modification Worksheet
*Minimum three years’ prior Workers’ Compensation coverage required.
Surety Bonds
MOVER’S CHOICE has the ability to underwrite several specially designed transportation-related surety bonds.
- MTMC
- FMC
- ICC
- DOD
- NVOCC
- Motor vehicle defective/lost title
- PUC: Subhauler and COD (collect on delivery)
- Tax bonds, Fuel, Highway use bonds
- JOB PERFORMANCE
- Bond Application
- Most recent Corporate Financial Statement
- Indemnitor’s most recent Personal Financial Statement. (If not available, Personal Financial Statement Form can also be completed).
Please email required documents to: MichelleW@MoverChoiceIns.com
Cyber Liability Coverage
MOVER’S CHOICE partners with BIZLock® Insurance Services, the nation’s leading data theft risk management and insurance program that helps protect and insure against cyber risks. Choose Core Cyber or Cyber Pro for added protection.
- Comprehensive protection to help you prevent, prepare for and respond to cyber threats.
- Choice of two plans – Core Cyber or Cyber Pro for added protection – Download Coverages Overview
- Affordable pricing
- Get an instant quote if company’s total revenue is less than $10MM (additional underwriting may be needed if greater than $10MM).
- Security & Privacy Liability
- Multimedia Liability
- Privacy Regulatory Defense and Penalties
- PCI DSS Liability
- Breach Event Costs
- System Failure
- Cyber Extortion
- Employee Personal Identity Protection
- Cyber Crime (Financial Fraud, Telecommunications and Utilities Fraud, Phishing Attacks)
- Bodily Injury Liability
- Property Damage Liability
- TCPA Defense
- Post Breach Remediation Costs
- BrandGuard®
- Dependent System Failure
- Bricking Loss
- Property Damage Loss
- Reward Expenses
- Court Attendance Costs
What is Cyber Liability Insurance?
Cyber liability insurance provides financial protection for data and electronic risks. Computer systems can be damaged and destroyed, and data can be lost, stolen and compromised. However, unlike other physical exposures, data is not tangible. This intangible exposure, which is not covered by traditional insurance coverage, gave rise to the first “cyber” or data risk insurance policies that date back to the mid1990’s.
Isn’t this covered by a General Liability policy?
No, not unless specifically endorsed. Traditional general liability policies (ISO policy forms) are now specifically excluding cyber risks as the intent was never to cover the exposures.
Do small to medium-sized businesses really have an exposure? Business of all sizes are prime targets for cyberattacks, and moving and storage operations are no exception. eNot even the most secure, large and sophisticated organizations (e.g. Home Depot, Target or Chase Bank) can prevent losses from occurring. In fact there have been several incidents of ransomeware and other cyber attacks on moving companies recently, so cyber exposure is a growing risk for the industry.
What happens if you have a data breach without this coverage?
When it comes to measuring financial and/or reputational risk, the Ponemon Institute data breach studies suggest financial losses to businesses are roughly $200 per lost record.