Not having insurance for this utterly terrifies me. I'm absolutely fine with self-insuring the cost of the objects being moved (because you know what your loss

Not having insurance for this utterly terrifies me. I'm absolutely fine with self-insuring the cost of the objects being moved (because you know what your loss is going to be), but if the driver gets injured, or injures someone else, ruh roh -- maybe your homeowners insurance will help? Also, no idea what the actual parameters are on this. I fairly routinely move >500 pound objects, and if the driver doesn't have the right load handling equipment, it is vastly harder. Even a 100-200 pound load is a lot easier with appliance dollies and straps and ramps.