Insurance and filings for household-goods movers: commercial auto, motor truck cargo for customers’ goods, general liability and workers’ comp — plus your California BHGS Household Mover permit (MTR) TL 676 / TL 672 filings and interstate FMCSA BMC-91 / BMC-34 authority. Same-day COIs. Мы говорим по-русски.
Two different regulators sit under one “moving company” roof, and mixing them up is the #1 reason movers get shut down. A move that starts and ends inside California is intrastate and regulated by the state Bureau of Household Goods and Services (BHGS) — you need a Household Mover permit, identified by an MTR number, with liability and cargo insurance filed on state forms. The moment a job crosses a state line you fall under the federal FMCSA and need a USDOT number plus household-goods operating authority, with entirely different filings. We know exactly which permit and which filing each mover needs, write the whole program, and file it fast so your authority isn’t stuck waiting on paperwork.
Your trucks and drivers on the road and at the job — meets the BHGS TL 676 and FMCSA BMC-91 limits.
Customers’ household goods in your care, custody and control — filed on BHGS TL 672 ($20k/shipment) and FMCSA BMC-34 when interstate.
Damage to the customer’s home or injuries during the move.
Required in California once you have employees — your crew and day helpers.
Placed when a broker/arranger or specific authority scenario requires one.
Add-on for movers who store customers’ goods between moves — a gap a plain cargo policy leaves open.
Mover insurance is a program — commercial auto, cargo, general liability and workers’ comp — so total cost depends on your trucks, crew size, payroll, and whether you run locally or interstate. Interstate authority carries higher federal limits ($750,000 auto) than the California floor, so it typically prices higher. Quoting the package together (rather than piecemeal) and shopping movers’ specialty markets keeps it competitive. We quote the whole program and handle every filing in one place.
Figures are general market ranges — your exact rate depends on your profile. Call (310) 299-5555 for a free, no-obligation quote.
California intrastate movers need a BHGS Household Mover permit (MTR number) — since 2018 the successor to the old CPUC “Cal-T” — which requires passing the Maximum Rate Tariff 4 (“Max 4”) exam and filing public-liability insurance on Form TL 676 (with the TL 675-A endorsement) at $250,000/$500,000/$100,000 or a $600,000 combined single limit, plus cargo on Form TL 672 (TL 671 endorsement) at $20,000 per shipment (BHGS General Orders 100 & 136). Interstate movers instead need a USDOT number and FMCSA “Motor Carrier of Household Goods” authority, with BIPD filed on Form BMC-91/91X at $750,000 and — unlike general-freight carriers — a cargo filing on Form BMC-34/BMC-83 (minimum $5,000/vehicle, $10,000/occurrence, 49 CFR 387.303), plus BOC-3 process agents. A CA intrastate for-hire carrier that also runs non-household commercial freight may additionally need a CA Motor Carrier Permit (CA number). Any mover with employees needs workers’ comp.
Trucks, crew, payroll, storage, and whether you run local, interstate, or both.
Auto, cargo, GL and workers’ comp from movers’ specialty markets — at the right limits.
TL 676 / TL 672 with BHGS, or BMC-91 / BMC-34 + BOC-3 with FMCSA — and certificates issued fast.
No. California moved household-mover licensing from the CPUC (the old “Cal-T”) to the Bureau of Household Goods and Services (BHGS) in 2018. Today you need a BHGS Household Mover permit, identified by an MTR number. Cal-T only survives as history your old paperwork may reference.
Public liability on Form TL 676 (with the TL 675-A endorsement) at $250,000 bodily injury per person / $500,000 per accident / $100,000 property damage — or a $600,000 combined single limit — plus cargo on Form TL 672 (TL 671 endorsement) at a minimum $20,000 per shipment. Workers’ comp is required once you have employees.
You leave the state system and enter the federal one. Interstate movers need a USDOT number and FMCSA “Motor Carrier of Household Goods” authority, with liability filed on BMC-91/91X at $750,000, a cargo filing on BMC-34, and BOC-3 process agents. One job into Nevada is enough to trigger it.
FMCSA specifically requires household-goods carriers to file cargo insurance — on Form BMC-34 (or BMC-83) at a minimum $5,000 per vehicle and $10,000 per occurrence (49 CFR 387.303). General-freight carriers are not required to file cargo with FMCSA; household goods are the exception, and movers whose policy was never filed find their authority stalls.
Often the same day once your program is bound — so you don’t lose a booked job waiting on paperwork.
Yes — California requires workers’ comp for any employees, and moving is a higher-risk class. Day laborers and helpers classed the wrong way are a common reason claims get denied.
Yes — warehouse (storage) legal liability is available for movers who hold customers’ goods between moves. A standard motor-truck-cargo policy covers goods in transit, not goods sitting in your warehouse, so this add-on closes a real gap.
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