5 Reasons Why Your Mover’s Company Should Be Insured
Are you planning to move? You’re not alone. According to Move.org, over 35.5 million Americans move every year using old station wagons to professional movers.
There are many reasons people move. Maybe they’re moving to a new home, moving to a new state for a new job, moving to a new neighborhood, or moving for warmer weather.
Whatever the reason, moving is stressful, risky, and expensive. Our minds usually race with lots of thoughts as we plan our move. And in most cases, we seldom think about our moving insurance.
The moving process can carry various risks and can be dangerous because of the high physical demand. For this reason, it’s vital to hire an insured mover.
Listed below are five reasons your moving company should have insurance.
Insures Damage to Household
It’s challenging to move. It could be when you have more oversized items that won’t fit through small spaces and need them transported by professionals through your house.
Hiring an insured mover like Movers Calgary ensures you cover your property from damage. General liability insurance can come in and cover the resulting damage claim.
Here’s how an insured company should handle things differently:
- They should use their expertise to avoid damages from happening
- If anything goes wrong, they should be available to sort things out
Protection from Injury
There are five common injuries you can get when moving.
These injuries include:
- Knee pain or injury
- Back injuries
- Sprained ankles
- Common cuts or scrapes
- Broken hands, fingers, or toes
One wrong lifting of household items can hurt a mover’s back. It could force them to take some time off from work.
It will help if your mover’s company has worker’s compensation coverage to cover missed work and medical bills because of employee injury or illness.
It’s a legal requirement and security for the team.
Loss of Belongings
While packaging might keep your items safe and snug, rarely, a box might fall off the truck or get lost during transportation.
Despite limited chances, you’ll have your item returned; it would be ideal if the moving company reimbursed your lost belongings.
Suppose you lost some of your items. What would you do?
Here are steps to take if your mover’s company loses your belongings:
Step One: Double-check
Before doing anything, check again to determine if you’ve lost your stuff. For example, you can ensure you’ve checked all your packaged moving boxes.
You might also call your former apartment manager to ensure you did not leave it behind in your former apartment. After you’ve diligently searched for it and can’t find it, you can move to the next step.
Step Two: Get the item details
Write a thorough description of the item. If you can get the purchase, photo, or receipts documents of the lost items, that’ll be even better.
These details will serve as evidence of your missing property and help in their retrieval.
Step Three: File a claim to the insured moving company
In the ultimate step, you can file a loss claim to the insured moving company. You can present a detailed description of your lost item. These details will help the moving company to either locate your lost item or replace it.
Your moving contract should specify the steps to follow once you lose an item and determine the replacement value.
It will help if you’re aware of the standard moving insurance replacement rate of your locality. However, if you have additional moving insurance, the moving company should reimburse you for the lost item’s entire cost.
Protection of Belongings
Your belongings can get damaged just like your home. Despite your moving company claiming that they’re professionals, accidents happen.
Cartons with fragile items can get dropped with individual items cracking and breaking.
If you’re dealing with a professional and experienced mover, they should have measures in place to ensure they prevent your belongings from damage.
They should cover the cost of damage to your belongings.
Here’s how you can keep your items safe while moving:
- Selecting the right boxes for the job and packing them well
- Use the layer and wrapping method - wrapping fragile items in additional wrappings
- Using labels or unique markings on all boxes
- Marking the things you consider special, your responsibility
- You can hire your moving company to pack for you (at an additional cost)
Contract Unfulfillment Claim
A New York Post reported a case of an art gallery in New York City that sued a moving company for negligence, fraudulent concealment, and breach of contract.
The gallery had claimed that the moving company informed them they’d need six movers to handle the marble piece worth $280 000.
The moving company sent three people who ended up breaking the artifact. The three men tried to conceal it, but CCTV security footage caught all these.
The gallery then sued the moving company for $250,000.
A moving company should have professional liability insurance that covers advice and professional services to clients.
Allegations of breach of contract that lead to client loss can escalate to lawsuits. Good liability insurance can help handle damages, legal fees and help you stay in business.
There are various reasons your mover’s company should be insured. An insured moving company will protect your household from damage, injury, loss, and damage of belongings and whenever there’s a contract unfulfillment claim.