A moving company that does not provide transportation is not required to provide any type of insurance or valuation coverage. However, we believe that a professional moving service should have some level of liability for the services provided. Therefore, we provide basic coverage and voluntarily abide by federal tariff laws to provide basic Released Valuation coverage on all moves, the same coverage that a full service moving company must provide. This is a default coverage of up to $0.60 per pound for damage to household goods while being handled by the movers. This coverage is not insurance and is not value based. Additionally, Rose Property Solutions, LLC DOES carry General Liability insurance to protect a customers residence from unforeseen damages, caused in direct action by the movers on-site.
There are at least five segments to every move: Packing, Loading, Transport, Unloading and Unpacking. Full service moving companies can provide a wide range of additional insurance options because they generally handle all five segments, ensuring that each item is inventoried and handled directly by their movers. Moving labor is different because we generally only provide services for one or two of the segments, most commonly loading and unloading. Because we do not transport your items we are unable to remain in possession of your household goods for the entire move. As a result of this, your movers liability for basic damage protection ends once they are no longer in possession of your items, which is typically when they depart your location. To have a valid claim you must notify your movers of any damage you wish to report before they depart your location.
Because moving labor companies do not provide transportation we cannot provide additional coverage options. However, there are several types of insurance that may be available to you for your DIY move:
Homeowners and Renters Insurance: These coverage’s (notably homeowners) typically will cover damage that occurs during transit. It is recommended that you speak with your insurer to confirm the details of coverage
Third Party Insurers: There are insurance companies that will sell a policy specifically to cover household goods during a move. It is important to note that these policies tend to have a lot of exclusions and should be thoroughly reviewed before purchasing
Insurance from Truck Rental / Portable Storage Companies: Most truck rental, storage container and transportation companies will provide insurance options for your items. These insurance coverages typically insure your household goods against loss due to fire and other natural events. Review the details of each insurance option directly with your transportation company before purchasing