BBB Honour RollCertified Canadian Mover

Ottawa Moving Company

Local Ottawa Movers Serving Ontario

Bi-Weekly Trips to Toronto & the GTA

Local Ottawa Movers - Moving in Ottawa
and to or from Greater Ottawa within Ontario

Best Ottawa Moving Trucks
Nicest Ottawa Moving Trucks
Protecting Furniture and Floors

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Get Packing!Moving Company Insurance Coverage


Before going into the types of cargo coverage, there are two things consumers should be aware of:

  1. The term “fully insured” is often used by moving companies to convey that the customers’ belongings will be protected against loss or damage. Although this can be true, the term can be somewhat misleading. This broad term describes the coverage that the moving company has purchased for itself, usually relating to cargo insurance, liability insurance, and vehilcle insurance.
  2. Insurance can only be sold by licensed insurance agents. A moving company can not sell insurance coverage. Movers can only offer to accept responsibility under their insurance coverage as they have care and control of your possessions. Movers may charge deductibles, surcharges, or limit liability but can not sell actual insurance coverage. However, moving companies can offer protection plans or valuation coverage. Consumers should know that these coverages are not regulated by the government and such contracts can be difficult to enforce.

There are several types of moving insurance/cargo coverage offered by moving companies:

Insurance Coverages

  • Full Replacement Value Insurance – This is the most comprehensive insurance available and is limited only by the maximum dollar value of the policy. If anything is lost or damaged, the moving company must offer to repair the item, reimburse you with cash, or replace it with an item of similar likeness and value. Some movers may limit their liability for expensive/high risk items. Moving companies offering to allow customers to benefit from this insurance coverage can not charge for it and, so, are more likely to be careful with your things.
  • Market Value – The depreciated cash value of an item based on a value loss of 7% per year.
  • Basic or Released Value Insurance – The minimum coverage required by law. Under basic coverage, movers are only responsible for 60 cents per pound. Imagine being reimbursed $120 for a 200 Lb china hutch destroyed in transit or less than $50 if the movers broke your 42″ plasma television. This type of coverage is almost useless if moving anything of any value at all.

Valuation Coverage or Protection Plans

  • Declared Value – The value of your belongings is based on the weight of the shipment at a specific amount per pound. If the amount was $1.00 per pound, and your household goods weigh 10 000 pounds, the moving company would be liable for a maximum of $10,000. The actual settlement would be based on the depreciated value of the lost or damaged goods.
  • Lump Sum Value or Assessed Value – For higher value shipments, you may need coverage that is based more on cost than weight. You can purchase coverage for a specific amount per $1,000 of value. This must be declared in writing on the bill of lading.
  • Full Value Protection – This is the most expensive coverage and is compareable to “Full Replacement Value Insurance” except that the moving company is charging for the coverage. Lost or damaged property will be repaired or replaced. Usually there is a minimum coverage amount and applicable deductibles.

 

In any case, consumers should be aware that they can usually purchase a rider on their home owners insurance for “Goods in Transit”. This can often bridge the gap between coverage provided by the moving company and the actual dollar value of any losses.

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Our Full Service Moving Rates Include:

  • premium bed bags
  • plastic couch wrap
  • floor protection
  • wardrobe boxes*
  • clean moving blankets*
  • $250,000 insurance
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MOVING TIPS  |  DON'T LEAVE HOME WITHOUT THEM!


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7000+ Happy Customers and a 99% Referral Rate

by Beth Moore, VP of Operations/CFO, Coldwell Banker First Ottawa Realty
star star star star star

I just wanted to thank you, Jesse and all of the guys today, for an awesome job! Smoothest move, I have ever had. They were all so polite, funny, very easy natured, and just a pleasure to work with. No gripes about a few last minute changes. Just very cheerful, everything was not a problem. Read More…

by Anokhee MacLean
star star star star star

My move today went very well. The guys were efficient, friendly and everything was wrapped perfectly.

by Yvette and Paul Schmeer
star star star star star

Just wanted to let you know that we were really pleased with the effort your guys put out for moving us to our new house. They were really great. Thanks for coming through with the piano move, I know how hard it was to move that beast. Once again, thanks. I will be sure to Read More…

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