I haven't tried getting commercial transport insurance, but my gut feeling based on moves and mailing items says that insurance claims in moving cargo are way m

I haven't tried getting commercial transport insurance, but my gut feeling based on moves and mailing items says that insurance claims in moving cargo are way more common than in moving passengers. With passengers, the only real risk is a traffic accident, which are reasonably rare. With cargo, traffic accidents are still rare, but it is much more likely for the movers to damage something while loading/unloading or when boxes shift in transit. It's hard to accidentally damage a passenger, while it's easy to drop a TV while carrying it down the stairs. Perhaps these risks can be minimised if the owner is responsible for loading/unloading and for safe packing of boxes in the truck.