OOIDA Added Moving Coverage to Insurance Plans

Owner-operators and trucking fleets can now secure specialized liability and health coverage for moving and storage work.

Updated on Oct. 5, 2026 in Insurance

Bold vector editorial illustration of a folded moving blanket over a steel container corner, representing professional insurance logistics coverage. — The Owner-Operator Independent Drivers Association has expanded its insurance coverage to include specialized moving and storage policies for logistics firms across the United States. AI Illustration. Upload story photo >

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Is now a good time for your business to review its current insurance coverage options?

The OOIDA Life and Health Department has expanded its insurance offerings to include coverage for moving and storage operations. These new options provide financial protection for specialized logistics firms operating across the United States.

Why it matters

This expansion allows trucking businesses to consolidate their coverage needs through a single provider, offering stability for firms involved in relocation and storage services.

Businesses can select from coverage limits of $500,000, $1 million, or $2 million to manage their liability risk. Rates for these newly available plans are guaranteed to remain locked in through May 2029.

The players

OOIDA Life and Health Department

A provider of insurance and benefits programs designed for the trucking industry and independent owner-operators.

The details

The expanded policies provide benefits for non-occupational injuries and include options for accidental death, dismemberment, and short-term disability. For fleets utilizing temporary help, the $1 million and $2 million plans offer an optional casual laborer coverage rider. These plans also feature a zero-deductible provision for accidental medical expenses, simplifying the claims process for policyholders.

October 5, 2026: The new moving and storage coverage options were officially announced.
May 2029: The guaranteed rate lock period for these insurance plans is scheduled to expire.

Money Landscape

This move reflects a broader trend of insurance providers tailoring policies to accommodate the increasing diversification of trucking operations. It brings moving and storage liability into a competitive landscape previously dominated by more general cargo and equipment policies.

Business owners should review their current liability policies to determine if the new $2 million coverage limit or optional casual laborer rider reduces their overall risk exposure. Interested parties can contact the OOIDA Life and Health Department at 816-229-5791 to request a quote.

The takeaway

The addition of these coverage limits provides businesses with a multi-year period of rate certainty until May 2029. Fleet managers should evaluate whether these new plans offer better protection for their specific operational risks compared to their current provider.