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There are a number of types of insurance a mover should have and that you
should have if you are moving yourself. Insurance is a complicated subject and the
agent or the movers agent for greater details.should have if you are moving
yourself. Insurance is a complicated subject and the
Liability: This is a policy that a mover should have. The policy should
cover both accidental damage to your stuff during loading and unloading
and have liability coverage and medical coverage. An example of
liability would be if the mover broke a plate glass window. An example
of medical coverage would be if one of the movers knocked you down
and broke your arm.
Workers Compensation: This covers the employees of the mover if
they get hurt on the job. It is required by lay for an employer to have it.
Most moving companies will have it. If you are moving yourself and you
Remember though, if you hire casual labor and they get hurt on the job,
you will be liable for all of the medical bills, lawsuits, etc.
Truck: This is like car insurance, but it is specifically for trucks. Most
local/long distance and local movers will have it. Either this policy or the
liability policy will have some coverage on the stuff being transported.
this with your mover. If you are moving yourself and renting a truck, be
cover rental trucks. We suggest that you purchase the additional
insurance that for the truck from the rental truck company.
Homeowners: This usually will not cover damage or injuries during a
your agent for specifics.