1.General Liability: This would include fire and water, broad form property damage, personal injury, complete operations, and independent contractors. Most moving companies have $1 million dollars in coverage in this category.
2.Business Auto Liability: This is just like your personal auto insurance, but covers the trucks and drivers.
3.Workers Compensation/Employer's Liability: Statutory limits set forth by the law of the State of California.
4.Cargo Insurance: Provided per the Public Utility Commission Law, .60 cents per pound per article. Excludes pressed wood furniture, items inside boxes you pack, any items you move in your own rental truck, any items once they are in storage or handled by another moving company, and any lose items.
5.Additional Personal Insurance: Recommended by all moving companies, and secured by the individual client for their own moving needs. You can get your own additional moving insurance by calling your renter's insurance, or homeowner's policy to see if it's already included in what you pay for each month. There are also third party companies like www.movinginsurance.com that you can check with to see if they offer the kind of coverage you'd like.
Does your Home Owner's Association or Office Associate require insurance from your mover before your move date?:
If so, no fret! Some HOAs and Office Complexs just require proof of insurance, so all you need to do is simply request it of your moving company, and it is free.
Some require something called a "Certificate Named Additional Insured" where the HOA or Complex needs to be listed as an additional party insured under your mover's insurance policy. Request this of your moving company, it is helpful if you email your sales representative with the exact wording provided to you by your HOA or Complex so that they can get the certificate prepared by their insurance agent. There is oftentimes a small fee associated with getting this paperwork in place (anywhere from $50-200 is typical).
We hope this information is helpful!
Remember too that the BEST insurance you can provide yourself for your move is being PREPARED! Do your homework on who you hire, read your contract, review the Public Utility Commission website for help too, and ask lots of questions. A good moving company will help you out with understanding the ins and outs of moving so you don't feel like you are in it alone!
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