Moving insurance is a type of temporary insurance policy that protects you if the movers accidentally drop something or if something happens during the transmission of your items. In many of these cases, it was a vehicle accident that occurred between the moving company and another vehicle, and was not their fault at all. Here is more information about moving insurance and why you should consider it.
Where do you get moving insurance?
There are a few different places to get moving insurance. The first thing you should do is ask the moving company themselves. A reputable moving company has their own liability insurance, which protects against their own risks and yours. They may also have additional short-term policies you can add to your total moving costs, which give you even more protection against accidents or mishaps.
After looking into what the moving company provides, look into your own insurance policies. Some renter's policies and business insurance policies automatically include moving insurance protection. If not, the insurance company for these policies might give you the option of moving insurance as an add-on.
How do you make a claim?
Making a claim when an accident occurs during your move is similar to other insurance policies. You must have detailed notes of the incident that occurred and pictures of the accident or incident are always helpful. Inform your insurance company right away so they can inspect what happened. You will need to fill out an inventory sheet before you start the move, so this sheet can help you figure out what was damaged, lost or stolen during the move. You must file your claim in a timely manner for it to be valid.
How do you determine the value of your items?
When you get moving insurance, you will first need to account for everything being moved and the supposed value of your office items and inventory. This must be done whether you get insurance through your insurance company or the moving company. You will start by writing down all major items. You don't need to account for every box of printer paper, but putting your items into groups.
For example, write down electronics, appliances, office furniture, and computer equipment. In these larger groups, write down each item. Value each larger item, such as your photocopy machine and each computer you have. Then have smaller groups of items like office supplies. You will be valuing the smaller groups as a whole, instead of each individual item.
Utilize the help of places like Bekins Van Lines Inc for more information.
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