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Public Liability Insurance Claims: Steps to Take When a Customer Is Injured
Accidents involving members of the public can happen unexpectedly, even in the safest business environments. Whether a customer trips in a retail…
RemovalsInsurance
Removals Insurance
Public liability and goods in transit cover built for removals businesses, protecting your customers’ belongings, not just your own liability.
Public liability and goods in transit cover built for removals businesses, protecting your customers’ belongings, not just your own liability.
Goods in transitGoods in storageDamage at a property
Compare from 20+ Trusted Insurers
Speak to a specialist 0330 027 0996
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What is removals insurance?
Removals insurance is a combination of covers built around moving other people’s belongings, public liability for damage to a property, employers’ liability if you have staff, and goods in transit cover for the customer’s possessions while they’re in your care.
Goods in transit is the cover that’s specific to this trade, it protects what you’re carrying, separate from your van’s own insurance and separate from public liability.
Removals insurance can include:
Public liabilityEmployers’ liabilityGoods in transitStorage cover (if you offer it)Personal accident coverBusiness van insurance (separate policy)
Cover often bought alongside removals insurance
Public Liability
Covers claims if your business injures a customer or damages their property.
Employers’ Liability
A legal requirement once you employ any staff, even casual help.
Personal Accident
Covers loss of income if a lifting injury stops you working.
Business Contents
Protects equipment and storage stock kept at a unit.
Goods In Transit
Covers customer belongings while they’re in your van or storage.
What could go wrong on a removals job?
What could go wrong on a removals job?
Most removals claims come from an item damaged in the van, a back injury lifting heavy furniture, or goods damaged while in short-term storage.
Most removals claims come from an item damaged in the van, a back injury lifting heavy furniture, or goods damaged while in short-term storage.
| Situation | Usually covered | Worth checking your policy |
|---|---|---|
You scratch a wall or doorframe moving furniture | Yes, standard public liability | Third-party property damage |
An item is damaged or broken in the van | Yes, with goods in transit cover | This is exactly what goods in transit is for |
You strain your back lifting a heavy item | No, needs personal accident cover | Your own injury isn’t a liability claim |
Items are damaged in short-term storage | Only if your policy includes storage cover | Check storage is included, not assumed |
Top Tip
Goods in transit and your van’s own insurance are two different things. Your van policy covers the vehicle; goods in transit covers what’s inside it.
How much does removals insurance cost?
There’s no fixed price. It depends on the value of goods you typically carry, whether you offer storage, whether you have staff and your claims history.
Value of goods carried
Higher-value house removals carry more risk than smaller jobs.
Level of cover
Higher goods in transit limits increase your premium.
Storage offered
Offering storage adds risk on top of your transit cover.
Type of removals
Domestic house moves carry different risk to commercial or international moves.
Number of staff
More employees increase your employers’ liability exposure.
Claims history
A clean claims record helps keep premiums down at renewal.
How to get removals insurance
How to get removals insurance
Getting removals insurance takes four steps: tell us about your work, choose your covers, compare specialist insurers, then get covered, often the same day.
Getting removals insurance takes four steps: tell us about your work, choose your covers, compare specialist insurers, then get covered, often the same day.
1
Tell us about your work
The type and value of removals you do, and whether you have staff.
2
Choose your covers
Public liability, goods in transit and any extras.
3
We compare specialist insurers
We search our panel of 20+ UK insurers.
4
Get covered and working
Receive your documents, usually the same day.
UK-based specialist advisersAccess to specialist insurersNo obligation, just expert helpTrusted by thousands of businesses across the UK
Trusted by thousands of businesses across the UK
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
Removals insurance guides
Removals insurance guides
Practical advice on cover, goods in transit and staying protected.
Practical advice on cover, goods in transit and staying protected.
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Removals insurance FAQs
Removals insurance FAQs
Straight answers on cover, goods in transit, storage and cost.
Straight answers on cover, goods in transit, storage and cost.
Removals insurance is a combination of covers built around moving other people’s belongings: public liability for damage to a property, employers’ liability if you have staff, and goods in transit cover for customer belongings in your care.
Still have questions?
Our advisers are here to help you find the right solution.
Related trades we cover
Related trades we cover
Removals firms often work alongside these trades. Each has its own cover requirements.
Removals firms often work alongside these trades. Each has its own cover requirements.
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Man & Van Insurance
Smaller single-vehicle jobs with the same goods-in-transit exposure.
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Cleaner Insurance
End-of-tenancy cleaning that often follows a removal.
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Handyman Insurance
Assembly and fitting work at the new property.