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Changes To Moving Law in Florida: Understanding Senate Bill 304

Senate Bill 304

Table of Contents

Key Provisions of Senate Bill No. 304

As of July 1, 2024, significant changes will take place in Florida’s household moving services industry with the passage of Senate Bill No. 304. This comprehensive legislation aims to enhance consumer protection, streamline regulatory requirements, and establish clear accountability for movers and moving brokers operating within the state. The new law revises existing statutes and introduces stringent new requirements that movers and brokers must adhere to, aligning with the USMPO’s mission of eliminating deceptive business practices in the moving industry, and fundamentally transforming the industry landscape.

Enhanced Registration Requirements

One of the pivotal changes brought by Senate Bill No. 304 is the enhancement of registration requirements for movers and moving brokers. Under this new law, these entities must register with the Florida Department of Agriculture and Consumer Services. The registration process necessitates providing detailed information, including legal business names, addresses, and the identification of corporate officers and directors. This registration must be prominently displayed at the business premises and included in all advertisements and contractual documents. This measure ensures transparency and accountability, making it easier for consumers to verify the legitimacy of the moving services they engage.

One of the key issues this will address is false advertising. Many rogue movers have been identified to mislead consumers with fake discounts, and mimicking the brands of more reputable movers. If this measure is enforced properly, many rogue movers and brokers will have a difficult time soliciting business. 

Increased Insurance and Bond Requirements

Senate Bill No. 304 imposes stringent insurance and bond requirements to safeguard consumers financially. Movers are now mandated to maintain liability insurance coverage of at least $10,000 per shipment to cover losses or damage due to their negligence. Alternatively, movers operating two or fewer vehicles can opt for a performance bond or a certificate of deposit amounting to $25,000. Moving brokers, on the other hand, must maintain a $50,000 performance bond or a similar certificate of deposit, providing additional financial safeguards for consumers.

Stringent Advertisement and Contractual Rules

The new law introduces specific rules regarding advertisements and contractual documents to promote transparency. Advertisements by movers and brokers must clearly include their Florida registration numbers. Contracts must now be more comprehensive, containing phrases that confirm the mover’s or broker’s registration with the state. These documents must also transparently outline all services and associated costs before providing any moving service. This ensures that consumers are fully informed about the services they are purchasing and the costs involved.

Prohibitions and Limitations for Moving Brokers

Moving brokers face new restrictions under Senate Bill No. 304. They are prohibited from providing estimates or entering into service contracts themselves; instead, they can only arrange services through registered movers. Additionally, they must explicitly disclose their role and limitations to clients before any service agreement. This provision prevents brokers from overstepping their roles and ensures that consumers are aware of the exact nature of the services they are receiving.


Enforcement and Penalties

To enforce these new regulations, the Department of Agriculture and Consumer Services has been granted the authority to issue cease and desist orders and seek immediate injunctions against unregistered operators. The law specifies substantial penalties for non-compliance, including potential felony charges for severe violations involving fraudulent practices. This robust enforcement mechanism ensures that only legitimate and compliant businesses operate in the industry, thereby protecting consumers from unscrupulous operators.

Consumer Rights and Protections

The new law places a strong emphasis on consumer rights and protections. Movers are required to offer valuation coverage for lost or damaged goods at no less than 60 cents per pound per article. This provision ensures that consumers have a clear and enforceable path to compensation in cases of service failure. Additionally, the law mandates that movers disclose any liability limitations, including the valuation rate, to the shipper in writing at the time of contract execution, along with the opportunity to purchase additional valuation coverage.

Business Implications and Compliance Strategies

Understanding these changes is crucial for both legitimate movers and consumers looking for moving services. . Both moving brokers and carriers must adjust their operations to comply with these new regulations by updating their registration, insurance coverages, and ensuring that all advertising and contractual materials are in full compliance with the new law. For help navigating these new laws, carriers can contact the Florida Department of Agriculture and Consumer Services, Federal Motor Carrier Safety Administration, or email

USMPO verified carriers, in particular, can provide added value to their clients by being informed about these regulatory changes and guiding them in selecting reputable and compliant moving services. By staying updated on these legislative changes, both movers and shippers can avoid potential pitfalls and ensure a smoother relocation process.


Challenges and Considerations for Effective Enforcement of Senate Bill No. 304

While the amendments and regulations introduced by Senate Bill No. 304 represent a significant step forward in protecting consumers and enhancing the integrity of the household moving services industry in Florida, the ultimate success of these measures hinges on robust enforcement. The legislative framework is well-intentioned, aiming to hold movers and brokers accountable through stringent registration, insurance, and operational requirements. However, the sheer number of moving companies in the state poses a formidable challenge for regulatory bodies tasked with ensuring compliance.

One of the most persistent challenges is the tendency of unethical operators to circumvent the law. Even if a mover or broker loses their license due to non-compliance or fraudulent practices, there remains a loophole wherein these individuals can reapply under a different name or rebrand their operations, effectively evading detection and continuing to exploit consumers. This cyclical pattern of misconduct underscores the need for a more sophisticated and resource-intensive approach to monitoring and enforcement.

Senate Bill 304 in Summary

The 2024 Florida Law on household moving services, senate bill 304, sets a new standard for the industry, aiming to protect consumers and ensure fair practices across the state. By mandating stricter registration, insurance, and operational requirements, Florida is taking significant steps to enhance the integrity and reliability of moving services. This move will benefit consumers and service providers alike, creating a more transparent and accountable industry. This is specifically important to the state of Florida, as USMPO consumer data shows that the majority of moving fraud cases stem from rogue movers and brokers located in the sunshine state. 

By understanding and adhering to these comprehensive changes, the household moving services industry in Florida can ensure enhanced consumer protection, fair practices, and a higher standard of service. This legislation marks a significant step forward in safeguarding the interests of consumers and promoting integrity within the industry.

Senate Bill 304 in FAQ

The new law aims to enhance consumer protection, regulate mover and moving broker practices more strictly, and ensure transparent and fair business operations within Florida's household moving services industry.

Both movers and moving brokers operating in Florida must register with the Department of Agriculture and Consumer Services, providing detailed information about their business operations, including the identification of corporate officers and directors.

Movers must maintain liability insurance coverage of at least $10,000 per shipment. Alternatively, those operating two or fewer vehicles can opt for a $25,000 performance bond or a certificate of deposit in place of liability insurance.


Moving brokers are required to maintain either a $50,000 performance bond or a certificate of deposit in a Florida banking institution to provide additional financial safeguards for consumers.

Both movers and moving brokers must prominently display their registration certificate in their primary place of business and include their Florida Mover or Moving Broker Registration Number in all advertisements and contracts.


Yes, advertisements by movers and moving brokers must include their registration number. Additionally, movers are required to display their registration number clearly on the driver's side door of each of their vehicles.

Contracts and estimates must be prepared and signed by registered movers only, include comprehensive breakdowns of all services and costs, and feature specific registration acknowledgment phrases as per statutory guidelines.

No, moving brokers are prohibited from preparing contracts or estimates. They can only arrange moving services through registered movers and must disclose their limitations to consumers before providing services.

The Department of Agriculture and Consumer Services will issue a cease and desist order and can seek an immediate injunction to stop the unregistered entity from operating until they comply with the registration requirements and possibly pay a fine.


Suppose a mover or broker fails to maintain the necessary insurance or bond. In that case, their registration will be immediately suspended, and they must cease operations until the requirements are met and any associated penalties are resolved.

Movers must offer valuation coverage that compensates at no less than 60 cents per pound per article for lost or damaged goods, ensuring a baseline financial protection for consumers' belongings.

Movers must disclose any liability limitations, including the valuation rate, to the shipper in writing at the time of contract execution, along with the opportunity to purchase additional valuation coverage.

The law comes into effect on July 1, 2024, providing movers and brokers ample time to comply with the new regulations and ensuring that consumers begin to benefit from these protections from this date.

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