Moving Company Bond: What It Covers and How to Get One
A moving company bond is a surety bond that protects your customers if an employee steals or damages their belongings.
This business service bond builds trust, meets license requirements, and wins more jobs.
In this guide, you will learn:
- What a moving company bond covers
- Who needs a bond and why
- How to get bonded fast with TMD
Moving Company Bond TL;DR
- Purpose: To protect your customers from theft, fraud, or misconduct by movers
- Who Needs It: Moving companies, transport contractors, and relocation service providers
- Coverage Amount: $2,500 to $100,000 based on business size, risk, and contract requirements
- TMD Surety Bond Rate: Starts at $100 per year with no credit check under $100K
What Is a Moving Company Bond?
A moving company bond is a type of surety bond that protects your customers from theft or fraud by your employees.
This service bond guarantees compensation if a mover causes financial loss through dishonest actions.
How Does a Moving Company Bond Work?
A moving company bond protects your customers from theft or fraud during the moving process.
If a mover commits misconduct, the customer can file a claim for reimbursement.
Three Parties Involved:
- Principal: You, the moving company
- Obligee: Your customer
- Surety: The bond provider
Claim Process
- The customer reports theft or fraud
- They file a claim with the surety company
- The surety investigates the incident
- If valid, the surety pays the customer
- You repay the surety for the payout
What Does a Moving Company Bond Cover?
A moving company bond protects customer belongings against dishonest acts by your employees.
It’s important to know what’s covered and what’s excluded.
| Covered | Not Covered |
|---|---|
| Employee theft | Accidental damage |
| Fraud or intentional misconduct | Items broken due to poor packing |
| Property stolen during a move | Damage caused by subcontractors |
| Deliberate damage by employees | Loss from weather or natural disasters |
| Dishonest acts by your movers | Normal wear and tear during transport |
Why Get a Moving Company Bond?
Customers expect bonded movers when hiring a service they can trust.
A bonded moving company wins more jobs and reduces financial risk.
Benefits of Bonded Movers:
- Builds trust with residential and commercial clients
- Meets legal and contract requirements
- Covers theft and fraud-related liability
- Gives you an edge over larger moving companies
- Win more residential and commercial moving jobs
Get your bond now and grow your business!
Who Needs a Moving Company Bond in Texas?
A bonded moving company meets legal and contract requirements.
These businesses often need a moving company bond:
- Residential movers: Move furniture and boxes in homes or apartments.
- Long-distance movers: Transport items across cities or states.
- Office movers: Relocate desks and equipment for businesses.
- Storage providers: Store and move customer property before or after a move.
- Government contractors: Handle moves for military or government jobs.
- Logistics subcontractors: Assist larger companies with moving, delivery, or storage.
Show customers you are a bonded moving company. Start now.
How Much Does a Moving Company Bond Cost?
Moving company bond pricing starts at $100 per year for $5,000 in coverage. The final rate depends on the bond amount, employee count, risk, and claims history.
These five factors determine the final cost:
- Number of Movers: More employees increase the risk of theft or loss, which raises your bond cost.
- Bond Amount Needed: Higher bond limits come with higher premiums. A $50,000 bond costs more than a $10,000 bond.
- Type of Moves: Jobs involving high-value items or interstate transport carry more risk and may increase your rate.
- Claims History: Bond providers review your past claims to underwrite your risk and set your bond rate.
- Business Age and Credit: New companies or those with poor credit may pay more than established businesses with clean records.
| Coverage Amount | Annual Premium |
|---|---|
| $2,500 – $5,000 | $100 |
| $10,000 | $111 |
| $25,000 | $165 |
| $50,000 | $227 |
| $100,000 | $288 |
How to Get a Moving Company Bond with TMD
TMD Surety Bonds makes it simple to get bonded online. We issue most bonds the same day.
Step 1: Find Your Bond
Go to our online portal. Select “Business Service Bond” and choose your coverage amount. Pricing starts at $100.
Step 2: Apply Online
Fill out a quick form with your business details. It only takes a few minutes.
Step 3: Pay and Receive Your Bond
Pay online. Receive your bond by email in 2 to 4 hours.
Need help? Talk to a bond expert today.
Moving Company Bond vs General Liability Insurance
Business service bonds and liability insurance cover different risks. You may need both to protect your customers and moving business.
| Feature | Moving Company Bond | General Liability Insurance |
|---|---|---|
| Who it protects | Your customer | Your business |
| What it covers | Theft, fraud, or dishonest employee acts | Injuries, accidental damage, or lawsuits |
| Who files a claim | The customer | Your business or a third party |
| Repayment required? | Yes, you repay the surety company | No, the insurer pays the claim |
| Main purpose | Build trust and meet contract requirements | Cover business risks and legal liabilities |
Get Your Moving Company Bond Fast with TMD
TMD is a trusted Texas bond provider with thousands of satisfied customers and same-day approvals.
Apply online and receive your bond in minutes with no credit check under $100,000.
We offer a simple bonding process, transparent pricing, and expert support from start to finish.
Why Movers Choose TMD:
- Bonds start at $100 per year
- Instant online application
- Same-day digital bond delivery
- No credit check below $100K
- Local Texas experts ready to help
Don’t wait. Protect your moving company and secure more customers with a business service bond.
FAQs About Moving Company Bonds
Still have questions? Get quick answers about bonding, liability, costs, and compliance.
What Type of Bond Do I Need for a Moving Business?
You need a business service bond, also called a moving company bond, to protect your customers from theft or fraud. This surety bond shows you run a trustworthy company and meet state or contract requirements.
Does a Moving Company Need to Be Bonded?
Yes, most states require moving companies to get bonded to work legally. Being a bonded mover also earns customer trust and protects your reputation.
Are Movers Liable if They Break Something?
Yes, movers are responsible for damage caused by careless or improper handling during a move. General liability insurance usually covers accidental damage, not the moving company bond.
How Long Does It Take to Get a Moving Company Bond?
You can get bonded in 2 to 4 hours with TMD’s fast online process. We issue most surety bonds the same day once your application is complete.
How Long Does a Moving Company Bond Last in Texas?
A moving company bond lasts one year in Texas. You must renew the bond annually to stay compliant and covered.
Can I Get a Moving Company Bond With Bad Credit?
Yes, TMD offers surety bonds with no credit check for amounts under $100,000. You can still qualify even if your credit score is low or limited.
How Do I Determine My Surety Bond Amount?
Check the contract, job, or state law to see the required bond amount for your business. If no set amount exists, choose a limit that matches your employee count and the value of property you move. Most small moving companies start with $10,000 to $25,000 in coverage. TMD offers bonds from $2,500 to $100,000. Bonds start at $100 per year with no credit check under $100K
Does a Moving Company Bond Replace Insurance?
No, a moving company bond protects your customer from theft or fraud, not accidents or damage. You still need general liability insurance to cover property damage and legal claims
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