Moving Company Insurance in Lehi, UT
Picture a crew backing a truck up near Pioneer Crossing to unload a sectional at a Traverse Mountain house. The stairs are steeper than the walkthrough photos suggested, and on the way up a corner clips the drywall at the landing. The homeowner is standing in the hallway holding a box of dishes. Three different policies now matter: the drywall is the building, the sectional belongs to the customer, and the guy on the low end of it is your employee.
This page covers Lehi and Utah County. For how the coverages fit together and how other states differ, start with our moving company insurance guide. We also have pages for Henderson, Phoenix, and San Diego.
What Lehi moving work looks like
Most local jobs are house moves in neighborhoods like Traverse Mountain and the streets off Lehi Main. Thanksgiving Point is mostly a traffic problem to schedule around. The Silicon Slopes offices along I-15 are a different kind of job. Moving office contents is not the same as moving household goods, and your policy should describe the work you actually do, so tell your agent if you do both.
If you do something adjacent, the coverage is different. Hauling debris is covered in Lehi junk removal insurance, and wrecker work in Lehi towing company insurance. Long-haul freight starts with trucking insurance, and delivery vehicles with Utah fleet insurance.
Who pays for what
General liability responds to the damaged drywall and to injuries to people who don’t work for you, like the homeowner in the hallway. It generally won’t pay for the customer’s belongings while they’re in your hands. That gap is called care, custody, or control, and it’s why the sectional needs to be covered under inland marine or motor truck cargo. Don’t count on the customer’s homeowner policy to cover it.
The truck needs commercial auto. A personal auto policy is the wrong fit for a moving truck, and we explain why in personal vs. commercial auto insurance. Your crew is covered by workers compensation.
Office buildings along the freeway often ask movers for additional insured status and higher limits. Those requests are met with endorsements on your policy and, for the higher limits, usually an umbrella. A line typed on a certificate doesn’t change what the policy actually says.
Utah authority: intrastate or interstate
A move that starts and ends in Utah is intrastate. A move that leaves the state, or that passes through Utah on its way somewhere else, is interstate under UDOT’s definition. Interstate household goods shipments also pick up the federal valuation rules covered in the main guide. The customer gets full value protection unless they sign for released value, which pays 60 cents per pound per article. That valuation is a limit on what you owe for lost or damaged goods. It does not replace general liability.
- Interstate: UDOT’s motor carrier operating authority page defines interstate commerce as transportation between a place in a state and a place outside it, through another state, or as part of a trip that starts or ends outside the state. Interstate carriers register with FMCSA, and the page says operating authority isn’t granted until a BOC-3 and proof of liability and/or cargo insurance are on file.
- Intrastate: The same page defines intrastate commerce as anything that isn’t interstate. Those operations still have to meet applicable federal safety regulations plus state and local requirements. UDOT’s intrastate registration page cites Utah Code 41-1a-201 and requires the power unit to be registered for the combined gross weight of the truck or tractor and its loaded trailers. That’s vehicle registration, not a mover’s license.
We didn’t find a separate Utah household-goods mover license in UDOT’s materials, but confirm your requirements with UDOT before you rely on that.
Getting a quote
To quote a Lehi mover, we’ll want your annual revenue, how many of your moves stay in Utah County versus crossing a state line, your trucks and where they park, your payroll, and any insurance language a building or HOA has required of you.
Western Pacific Insurance is based in Henderson, Nevada, and places coverage for moving companies in Utah, Nevada, Arizona, and California. Call 702-932-3105 or request a quote online.
