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!