When you ask if a moving company is insured and bonded make sure you know what you are really asking them.  They can reply yes-- but is that really all you need to know about the company?  No... you need to know that they are a licensed moving company with the state their business is based in or the United State Dept of Transportation (if you are moving across state lines).  Having a valid and current MOVING LICENSE means that they are carrying the proper types and amounts of insurance required by the issuing state.  Be sure to call and verify the moving license number because the license could have been an old number, someone else's number, or revoked. This is the first step to protecting you against fraudulent moving companies.