Eighty percent of all house moves in the United States occur between April and September with the peak months being June, July, and August. In Massachusetts that makes perfect sense—the weather’s better, schools are out so the kids will face less schedule disruption, and there’s time to settle into a new home before winter hits. For a Home Mover small business in Massachusetts, summer is a time of maximum workload with few hours for any strategizing. But, as the summer moves start to wind down and before the trials of winter weather ramp up, the fall is a good moment to review your Household Goods Mover Insurance policies.
A Household Goods Mover business has similar insurance needs to other small businesses: commercial general liability, commercial auto liability, property insurance, workers compensation insurance, umbrella liability insurance, third-party non-employee bodily injury insurance, and third-party damage insurance.
But there may be extra insurance needs for the Massachusetts Home Mover business: warehouse insurance if you offer temporary or long-time storage options; cargo insurance to cover the value of the items you’re moving; inland marine insurance for more general coverage of goods while in transit or temporary storage.
Then there are the unique requirements of your Home Mover business affected by its size and locale. If you’re a Household Goods Mover based in Massachusetts with three or more employees specializing in moves within the Needham, Wellesley, Newton area, you will likely have similar but different insurance needs to the Newton-based moving company that employs twenty people and helps move families across the country.
How you navigate your insurance needs will depend on several choices but the most important is your choice of broker. Choosing the right commercial insurance provider for your business is one of the most important decisions you’ll face as a small business owner. Having an insurance broker who understands not only your business but also the region in which you operate can be the difference between financial security and financial disaster. Choosing a local insurance broker means choosing a specialist who works where you work and understands the local issues you’re dealing with.
We regularly hear from Home Mover businesses that the Kovalev Insurance Company is the best insurance company for a Home Mover business insurance in Newton, Needham, and Wellesley. Why? Because with 20 years of experience working with small local businesses, we offer first-hand knowledge and experience of the Massachusetts Home Mover industry, value for money, comprehensive insurance coverage, personal service, and prompt reliable response times.
For more information on the best home mover insurance coverage provider in Massachusetts, contact Kovalev Insurance Agency.
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