Cargo Insurance and BMC-34 Filings for Movers
Interstate household goods carriers must keep cargo insurance on file with FMCSA. Tell us about your moving company and a licensed agent or partner may follow up.
- BMC-34 cargo filings
- Interstate and local movers
- Warehouse and storage exposures
Cargo coverage with a BMC-34 filing
For household goods movers and new moving authorities. Free.
For movers
Coverage topics for moving companies
Household goods carriers juggle federal filings, customer valuation choices and storage risk.
BMC-34 cargo filing
The federal certificate showing an interstate household goods mover carries cargo insurance.
Learn moreValuation and customer claims
How released value and full value protection affect what a mover owes on a damaged item.
Learn moreStorage and warehouse
Covering customers' goods while they sit in your warehouse or storage vaults.
Learn moreNew moving authorities
What a new household goods carrier should line up before its authority goes active.
Learn moreHow it works
How a mover request works
Describe your company
Type of moves, authority, filing needed and truck count.
An agent may reach out
A licensed agent or partner may contact you about storage, shipments and loss history.
Weigh the options
Look at cargo limits, deductibles, storage terms and exclusions.
Why it matters
Moving someone's belongings is different freight
Household goods are personal, fragile and often irreplaceable. Federal rules add a cargo filing and specific customer protections that general freight carriers never deal with.
Cargo on file
Interstate household goods carriers need cargo coverage certified to FMCSA.
Consumer rules
Movers must explain valuation options to shippers.
Storage gaps
Goods in your warehouse may need separate coverage.
Local vs interstate
State rules govern moves that never leave the state.
Guides
Guides for moving companies
Released Value and Full Value Protection, Explained for Movers
The valuation a customer picks sets the mover's liability. Here is how each option works and the paperwork that matters.
Read the guideInsurance Steps for Starting a Household Goods Moving Company
What to line up, and in what order, before a new interstate moving company can take its first job.
Read the guideMover questions
Is BMC-34 an insurance company?
No. It is a request website. Insurers and licensed agents provide coverage and file forms.
Does it cost anything?
No. Requests are free.
Is this site run by FMCSA?
No. It has no connection to any government agency.
Who will contact me?
A licensed agent or partner who writes coverage for movers may contact you by phone, text or email as agreed.
How do I opt out?
Reply STOP, ask the caller to stop, or use the form on the privacy page.
Moving household goods across state lines?
Share your authority type, filing and truck count. A licensed agent or partner may contact you to discuss options.