Licensed to move household goods:  CPCN 00607018

Insured through progessive for 750,000 transportation and 25,000 cargo.  A copy of the policy is available upon request.

INSURANCE/BREAKAGE/DAMAGE/OTHER ISSUES for our moving and pickup/delivery services for local moves

100% Cargo insurance is included for wrecks for breakage/damage during transportation.  

The industry standard for insurance is .60 cents per pound.  So if your LED tv is broken by a company that provides the industry standard and the weight is 30 pounds, you will receive $18 with most other moving companies.  Our transportation insurance covers 100 percent to the replace the item if the item is damaged while in transit and 50% of the base cost of the move for non-transportation.  Our insurance is well above industry standards.  

Non transportation damages:  DAMAGE/BREAKAGE AND ANY ISSUES MUST BE REPORTED BEFORE THE MOVERS LEAVING, NO EXCEPTIONS!  This policy is enforced in order to eliminate false claims in order to keep our rates low.
 ANY discount given in the flat rate quote or any additional discounts given by the movers is equal to the amount of the customer deductible against any claims/complaints. The discount will be applied against the amount of the claim.  HOURLY RATE MOVES, PICKUP/DELIVERY MOVES AND LABOR ONLY MOVES have a $200 deductible.
Insurance claims for transportation major damage (such as a wreck) is 100%.
Insurance claims for non-transportation major damage is limited to 50% of the base cost of the move.  
Minor damage (scratching and minor breaks) is 10%. 

Any damage issue must be positively identified as a result of the move and reported prior to the movers leaving.  The insurance agent can not take a customer at his "word" in order to file a claim, there can be no doubt that the damage was caused during the course of the move.  
Since we do not offer packing services, damage from poor packing or the bottom of a box falling out or over filled is not covered.  
Insurance does not cover items that 2 movers and a dolly are not able to move comfortably.  For this reason, we will usually decline a move that involves an item over 200 pounds such as a piano, pool table, commercial equipment, safe, hot tub, large marble.....   
Scratching or damage caused by trying to get an item that is too large into a hallway/space/doorway that even if careful handling will come in contact with a wall/doorframe/floor is not covered.  
Damage caused by unhooking a washer by the normal turning force with a wrench is not covered. 
Floor protection is the customer's responsibility.  
Only items listed on the contact form to get a quote or follow up emails are covered.
Items made out of particle board/pressboard are not covered.
Customers are required to wrap all "expensive" merchandise that are breakable or easily scratched in order for a major damage claim to apply.  If an item is damaged that is not wrapped by the customer, only a minor damage discount will apply. The trucks do come equipped with padding for the movers to use while loading for stacking the truck for transportation.  

State required insurance coverage (same coverage as all moving companies are required to carry including 2 men and a truck) is not subject to a deductible or packing/wrapping requirements and will be used if major damage requirements were not met or the .60 cents per pound is greater than 50% of the base case of the move.