Terms and Conditions

Full Current Replacement Value — Valued Inventory & Full Current Replacement Value — Lump Sum Insuring Agreement

Household goods, personal effects, private passenger automobiles and office goods shipped by land, under deck or by air are insured against "All Risks" of physical loss or damage from any external cause, subject to the American Institute Cargo Clauses. These clauses include Warehouse to Warehouse Transit Clauses, Marine Extension Clauses, Strikes, Riots and Civil Commotion, and "War Risk" insurance. Containerized shipments, whether shipped on deck or under deck are insured per "All Risks" conditions. Non-Containerized shipments on deck, subject to an "On Deck" bill of lading, are insured "Free of Particular Average" unless the vessel or craft be stranded, sunk, burnt, on fire, in collision or by the shipment being jettisoned or lost overboard.

Insurance purchased as Full Current Replacement Value - Valued Inventory must specify covered item(s) by item name and declare a value for each item(s). The amount of insurance purchased must be not less than the current replacement value of the property. If a valued inventory has been submitted with the insurance document, the maximum liability shall not exceed the indicated amount. If any item is insured for less than the replacement cost, co-insurance will be applied to the assured amount in determining the insured value. The Assured shall, to the extent of such deficit, bear his, her or their proportion of the loss. Items not listed are not covered. Item(s) cannot be marked as "Miscellaneous" ("Misc."). Items marked miscellaneous are not covered.

Insurance purchased as Full Current Replacement Value - Lump Sum must be purchased for a minimum $8.00 per pound for Current Replacement Value coverage. Coverage requires that high value items, individually valued at $1,000 or over, be specifically declared and valued separate from the balance of the shipment. Failure to purchase the insurance under this term may cause the shipment to become underinsured and will place in effect the Co-Insurance Clause. Co-Insurance is a situation in which a shipment or an item is insured for less than its replacement value. Settlement will be proportional to the declared value versus the replacement value of the shipment or item. All weights will be established by a government/industry issued weight guide.

EXAMPLE: Shipment weight of 5,000 pounds (or 714 cubic feet). To avoid co-insurance, follow this simple calculation: multiply the weight of the shipment (5000 pounds in this example) x $8, for a total insured value of $40,000.

The settlement based on Full Value Replacement insurance and Replacement insurance will be the lesser of repair costs, replacement value or as stated on the valued inventory. Loss of value due to repair is not covered. Only repair costs are covered; incidental charges related to repair costs are not covered.

Should the actual weight of your shipment change after loading, the actual weight must be submitted to Moving Insurance LLC in writing within 48 hours of load for changes to the declared value to be accepted.

CLAIMS FOR ALL ITEMS MUST BE SUBMITTED IN WRITING TO MOVING INSURANCE, LLC, WITHIN 45 DAYS OF DELIVERY: All claim payments, minus any applicable deductible, will be made in U.S. Dollars. Premium for the insurance must be received by Moving Insurance, LLC prior to any claim payment. If you file a damage claim, you must file first with You cannot receive compensation for damages from the insurance carrier and the moving company. It is illegal to collect twice on the same item(s).

PERILS: Touching the adventures and perils which the Insurance Carrier is contented to bear, and take upon itself, they are of the seas, fires, assailing thieves, jettisons, barratry of the Master and Mariners, and all other like perils, losses and misfortunes that have or shall come to the hurt, detriment or damage of the said goods and merchandise, or any part thereof, except as may be otherwise provided for herein or endorsed hereon.

DUTY OF ASSURED: It is the duty of the Assured and their Agents, in all cases, to take such measures as may be reasonable for the purpose of averting or minimizing a loss and to ensure that all rights against carriers, bailees or other third parties are properly preserved and exercised. IMMEDIATELY notify, in writing, the air or ocean carrier and the delivering carrier advising them that damage has occurred to your shipment. A copy must be included with your claim form.

AVERAGE TERMS AND CONDITIONS: Shipments subject to an "On Deck" Bill of Lading (which must be so declared by the Assured) are insured Free of Particular Average unless caused by the vessel being stranded, sunk, burnt, on fire or in a collision but not including jettison and/or washing overboard irrespective of percentage. Containerized shipments on deck are insured per under deck "All Risk" clauses.

SUBROGATION CLAUSE: After the payment of a claim under this insurance document, the Insurance Carrier shall be subrogated to the extent of their payment to all the Assured's rights of recovery against any person or organization. The Assured cannot claim any items with the mover that are covered by the insurance. The insurance company will subrogate the legal liability to mover directly on items covered by the insurance.

SALVAGE: If the Insurance Carrier replaces, makes a total loss payment, or pays the insured amount as shown on the valued inventory for a damaged article, they, at their option, have the right to salvage the damaged article.

DEDUCTIBLE: All loss or damage arising during the certificate period shall be adjusted in accordance with the valuations and limitation provisions of this certificate and will then be considered the "adjusted claim". From the adjusted claim or the applicable limit of this certificate, whichever is less, the sum stated under the applicable deductible amount shown in Declarations shall be deducted. Insurer shall have no obligations under this form until the claim exceeds the deductible.


(a)  Packed By Owner (PBO) items: Packed by owner items must be packed in new cardboard moving cartons. Claims will only be covered if exterior damage is noted to the box on the Movers Bill of Lading, Inventory or Delivery Receipt signed by all parties. Photos of the SEALED box prior to opening must be provided. Recovery is limited to $250 per item, cardboard moving carton, or container with a maximum per claim payment of $2,500. Items that are manufacturer packed are considered packed by owner. Any damage to plastic storage containers, or contents of these containers, is excluded from coverage. Claims will not be honored for shortage of any owner-packed items, cardboard moving cartons, or containers unless that shortage has been noted at the time of delivery. In the event of a Total Loss of the entire shipment, loss of any owner packed items, cardboard moving cartons, or containers will be covered for loss up to the face value of the certificate and the shipment's declared value.

(b)  Carrier Packed (CP) items: Damage to items packed into boxes, cardboard moving cartons, or containers by the movers must be reported to Moving Insurance within 45 days of delivery.

(c)  Furniture and Non-packed items: Damage will not be covered unless noted on the Movers Bill of Lading, Inventory, or Delivery Receipt signed by all parties at delivery. Damage(s) not noted on the delivery paperwork must be reported to Moving Insurance, LLC within 7 days of delivery or a date/time stamped photo taken within 7 days of delivery. Blanket statements such as many items damaged, or everything is damaged will not be accepted. Any item constructed of any type of engineered wood, manufactured wood, veneered chipboard, particle board, MDF �medium density fiberboard, composite board, press board, press wood, or similar is excluded from coverage.

(d)  Missing Items: Missing items will not be covered unless a Full Descriptive Inventory is completed for the move. Missing items must be noted on the Mover's Bill of Lading, Inventory or Delivery Receipt signed by all parties. Items claimed missing from cardboard moving cartons will only be covered if the respective cardboard moving carton the item was packed in is noted open or missing at delivery. Blanket statements such as items missing, or missing boxes will not be accepted.

(e)  Mechanical/Electrical items: Any internal electrical or mechanical component of any device unless exceptions are noted at the time of delivery for external damage to such property. Loss of data and recalibration are excluded. Electrical or mechanical malfunctioning coverage may be available for a nominal additional premium. If such coverage is purchased, it is required that any electrical or mechanical item covered by this insurance must be inspected at origin and destination by movers, with a specific note on the carrier's inventory indicating the operable condition of this item. Failure to do so will cause denial of claim and will not constitute refund for this insurance coverage. Any item inventoried by the mover as MCU (mechanical condition unknown) will not be covered.

(f)  Pairs & Sets: If any item of a "set" is lost or damaged, payment is only made for the proportionate value of the item damaged, not the entire set, unless pairs and sets coverage has been purchased as part of the policy, if available. Items listed as a set must be insured either at the total set's replacement value or with the individual replacement value of each piece listed. If undervalued, co-insurance will apply.

(g)  Items We Do Not Insure:Jewelry, watches, gem stones, cash, currency or bank notes, deeds, travelers check, coin or stamp collections, sports memorabilia, alcoholic beverages, foods, medications, negotiable items, furs or garments trimmed with fur, ammunition, contraband, cigarettes, laptop or tablet computers, mobile or cellular telephones, non-household items, items that are considered for commercial, industrial or non-household use including merchandise for sale or exhibition, real estate/property damage, items not listed on the movers' inventory, items not shipped, items received by the carrier as Condition Unknown, items excluded on the moving company's Order for Service, Bill of Lading, or Waiver Forms are not insured.

(h)  Loss/Damages Not Covered:

  1. Loss/Damage caused by wear and tear, deterioration, changes in climatic conditions, mold and mildew, infestations, pre-existing damages, inherent vice, wrinkled/soiled: clothing, linens, drapes, or rugs. Any damages caused as a result of these being in the shipment: hazardous materials, items that are flammable, corrosive or explosive; perishables: food, plants or living things that may die or spoil in transit. Contributory negligence on the part of the owner and/or their agents. Damages or loss attributed to an act, order, or omission on the part of the shipper.
  2. Loss/Damage arising out of the acts of any government, customs authority, or official confiscation. Physical loss or damage to the property carried out for political, terrorist, or ideological purposes when property is in storage.
  3. Losses due to delay or service-related issues, including, but not limited to mover and customer agreements, shipment delays, etc.
  4. Loss/Damage caused by nuclear reaction, radiation, or radioactive contamination, whether controlled or uncontrolled, however caused.
  5. Loss/Damage on door to port shipments are not covered unless exceptions are noted on the paperwork when the shipment is received at the port of discharge and signed by all parties.

(h)  Items Requiring Specific Packing: The following items are subject to specific packing requirements and if all requirements are not met, loss or damage to these items will not be covered:

  1. Delicate and fragile items or out of the ordinary items, including but not limited to: lamps, glass tables/tops, marble tables/tops, mirrors, slates, taxidermy, paintings, framed pictures, statues, chandeliers, display cases, pool tables, wall units, hot tubs, which may or may not require the disassembling and/or reassembling of these items, must be handled only by a professional mover or certified third party service and professionally packed in a cardboard moving carton or crated by the mover in wooden or other protective containers specifically manufactured for the item. Wrapping such items in cut down boxes or moving pads does not constitute professional packing and is not covered under this certificate.
  2. Any delicate/fragile item valued at $5,000 or higher MUST be professionally crated in a solid wood crate. Any fragile item valued at $10,000 or more must be serviced/crated by a certified third party company.
  3. Televisions (TVs) must be professionally packed in a flat screen TV carton, original carton with the original Styrofoam, or crated in a wooden crate. TVs wrapped only in cut down cardboard or moving blankets will be denied. TV must be unpacked by the movers at destination and any damage noted on the Movers Bill of Lading, Inventory or Delivery Receipt signed by all parties. Damage reported to TVs after the mover has left will not be accepted. In the event of a claim, you will be required to provide the year, make, model and proof of ownership.
  4. Mattresses and Box Springs are specifically excluded from coverage unless packed by the mover in mattress cardboard moving cartons specifically designed for this purpose. Shrink-wrap or mattress bags/covers alone do not constitute proper protection. Items listed as a set must be insured either at the total set's replacement value or with the individual replacement value of each piece listed. If undervalued, co-insurance will apply.
  5. Lamps and Lamp Shades, including Floor or Pole Lamps: must be professionally packed in cardboard moving cartons.
  6. Pianos: Must be professionally serviced, all corners foam protected, pad wrapped and cardboard crated, and placed on a piano board if necessary. Any piano with a high gloss surface must be foam wrapped, then pad wrapped, cardboard crated and placed on piano board if necessary; Any piano being moved internationally, or with a value of $25,000 or more, must be professionally crated and uncrated by a certified third party service in a solid wood crate, and any exceptions noted on the paperwork. MED coverage is not available.
  7. Motorcycles and Motor Scooters: must be crated in a solid wood crate at residence or on the truck at residence. Motorcycles or Motor Scooters valued at $5,000 or more need to be crated by a certified third party company.
  8. Firearms: Only legally registered firearms are covered. Assured must provide serial numbers on our inventory. Must be carrier packed. Ammo cannot be packed with firearm.
  9. Automobiles: Loss or damage to automobiles is excluded while being driven under their own motor power except while on the premises of the port and while being loaded and unloaded into and off the carrier. Marring, denting, chipping, or scratching on automobiles over five years old is not covered. Non-factory installed accessories or removable items on automobiles is excluded. Goods of a personal nature shipped inside an automobile are also excluded.
  10. Grandfather Clocks: Must be serviced by a 3rd party company, pendulum and weights removed, chains secured, pulley secured w/ Styrofoam blocks. Must be packed in Grandfather clock box or crated in solid wooden crates. Grandfather Clock valued from $5,000 to $9,999 must be professionally packed in a solid wood crate. Grandfather Clock valued from $10,000 and above must be packed in a solid wood crate by our approved 3rd party crating companies.


  1. Damage to articles, including boxes, cardboard moving cartons, and containers, not professionally packed by the movers are not covered unless damage is caused directly by fire, lightning, explosion, flood, cyclone, tornado, windstorm, collapse of bridges, theft, or collision, overturn or upset of the transporting vehicle.
  2. All certificates of insurance with a total value of $40,000 or higher are subject to maximum per item coverage not to exceed 25% of the value of the certificate.
  3. In the event that a customer has more than one insurance certificate under more than one bill of lading, and these shipments are placed into the same approved storage facility, the total liability amount for storage coverage allowed per the Insurance Carrier and its agents is a maximum of $500,000 per individual or family, per approved storage facility, no matter how many certificates are in force.
  4. If shipment is loaded out of storage, self or moving company's facility, where no prior coverage was provided by the Insurance Carrier will result in having this certificate provide "Total Loss Only" coverage. If the shipment delivers into a self-storage facility, specific written exceptions must be noted on the mover's documents for any claims to be considered and must be signed by all parties. Any insured boxed items must be unpacked, checked for damage, and noted on the mover's documents for any claims to be considered, and must be signed by all parties.
  5. Insurance must be purchased prior to packing or loading as conducted by the movers. No items or goods can be added to or deleted from the certificate after items have been loaded on the truck(s).
  6. This certificate cannot be cancelled or modified once the moving process (packing and/or loading) has begun. Modification includes but is not limited to: Name of Assured, Type of Coverage, Declared Value, Deductible Level, Certificate Cost, Add-On Certificates. Notes added to Certificate Summary by the assured cannot alter or change coverage in any way.
  7. All insured goods must be in the care, custody, and control of and handled by a Moving Insurance, LLC approved licensed, insured, and professional Moving and Storage Company or a Moving Insurance, LLC approved professional labor service at all stages of the move for those goods to be insured. In case of shipment being loaded and/or unloaded into a truck or a container by any person other than a Moving Insurance-authorized loading and unloading affiliate, this certificate will become null and void.
  8. Change of movers must be notified to Moving Insurance, LLC in writing, at least 48 business hours prior to packing or moving date, whichever is first, as noted on the certificate. The new assigned carrier must be a qualified carrier with our network, or the certificate will become null and void. A refund will be provided, subject to the Cancellation Clause below.
  9. In case of any other coverage to the shipment, including but not limited to homeowner's insurance, rental insurance, moving company's insurance, manufacturer's warranty and added services warranty this certificate will act as a secondary certificate and will pick up only after the first certificate was exhausted while using the original coverage as a deductible, to the extent of the original certificate's coverage.
  10. In case packing or loading (whichever occurs first) of a shipment, does not occur within ninety (90) days of the packing date indicated by the certificate holder on the certificate of insurance, and in case Moving Insurance, LLC has not been notified in writing by the certificate holder of the packing or loading date (whichever occurs first) changes within this time frame, the certificate automatically will become null and void, and all liability by Underwriters effectively ends with no further obligation.

MISREPRESENTATION AND FRAUD: This document shall be void if the Assured has concealed or misrepresented any material fact or circumstance concerning this Insurance or the subject thereof. Any person who includes any false or misleading information on an application for an insurance certificate is subject to criminal and civil penalties. Notwithstanding any requirement, term, or condition of any contract or other document with the respect to which this document is issued, the insurance afforded by the certificate listed on this document is subject to all the terms of such certificate.

AGENCY: It is understood and agreed that any person authorized by the named assured or shipper to order this insurance is acting as the agent of the Assured and is aware of the certificate terms and conditions. In any case, a customer signed certificate and terms and conditions must be received by Moving Insurance, LLC two days prior to packing or moving date or the coverage becomes null and void. In case this certificate is purchased by the insured's agent or representative, these terms and conditions must be reviewed, signed by the insured, and faxed over to Moving Insurance, LLC, or this certificate will become null and void immediately upon discovery.

OFFICE GOODS: In the event this certificate is being purchased for a move of OFFICE GOODS, from one location to another, the following TERMS AND CONDITIONS apply: All damages must be noted on the paperwork at the time of delivery, and the claim filed with, within 48 hours of delivery. Mechanical and electrical derangement coverage is NOT available, and this certificate will not cover the loss of any mechanical or electrical item, unless a direct result of physical damage caused by the approved moving affiliate and noted on the paperwork at the time of delivery. All other Terms and Conditions of the certificate apply.

Failure to follow these terms and conditions will render this certificate a "Null and Void" certificate or result in automatic cancellation, as decided by Moving Insurance, LLC.

Moving Insurance, LLC reserves the right to cancel any certificate without notice; in this event, a full refund will be made.

In case packing or loading (whichever occurs first) of a shipment, does not occur within ninety (90) days of the packing date indicated by the certificate holder on the certificate of insurance, and in case Moving Insurance, LLC has not been notified in writing by the certificate holder of the packing or loading date (whichever occurs first) changes within this time frame, the certificate automatically will become null and void, and all liability by Underwriters effectively ends with no further obligation.

Any statements or Agreements made by the mover in contradiction to any of the Terms and Conditions contained in this document will not be recognized or endorsed during the Claim settlement process. The Terms and Conditions in this document preclude any verbal or written agreements between the mover and insured where such agreements violate or conflict with the Terms and Conditions contained in this document.

No suit, action, or proceeding for the recovery of any claim under this certificate shall be sustainable in any court of law or equity unless the same be commenced within twelve (12) months next after delivery, provided, however, that by the laws of the state within which this certificate is issued such limitation is invalid, then any such claim shall be void unless such actions, suit or proceedings be commenced within the shortest limit of time permitted by the laws of such state. Any and all legal suits, actions or proceedings must be filed in the state of New Jersey, United States.

Cancellation Clause:

  1. A 10% cancellation fee, not to exceed $50, will be assessed to all cancelled certificates.
  2. Cancellation of certificate for any reason must be done under the following conditions:
    1. Prior to the start of moving services.
    2. In writing by fax, letter or e-mail with our receipt acknowledgement.
  3. I acknowledge that the total cost of this policy includes insurers' premium and a Policy Fee to Moving Insurance, LLC's administrative cost and expenses.
  4. In the event the certificate is cancelled, I understand that only the premium is subject to refund, less a 10% cancellation fee.

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