A guide to liability insurance
What does standard liability insurance cover and what items will it cover during your office move?
Accidents can happen and items in transit are particularly at risk and are sadly rather accident prone. Insuring your belongings during your office move is one of the most important parts of the moving process, as in the eventuality of a breakage, loss or theft, you'll want to make sure you know what is covered by your insurance and where you can claim back. We recommend that you ensure full cover of your items through a reputable office removals company and it is absolutely essential that you read through and understand all the terms and conditions unique to the insurance policy you sign.
Extended or standard liability cover generally insures movers against the liability of their removals company. This often means that proof must be provided of negligent behaviour on behalf of the removals staff. There may be maximum compensation per item or goods may be refunded to their second hand value. There could also be a maximum compensation for the entire haul, so find out how your movers classify their cover. Your removals company might offer a valuation rather than insurance, in which case your goods will be inventoried but not insured against damage.
It is your responsibility to your business to know exactly what you are and aren't covered for, as in the event of damage you may wish to make a claim.
