The standards of insurance
Why Big Move’s Moving Insurance Offers Better Value and Peace of Mind
At Big Move, we prioritize accountability and transparency far above the industry standard. Our insurance policies are designed to be the most comprehensive in the market.
1. “Free” Basic Insurance with Higher Limits (Up to 100% of Service Fee)
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The Market Standard: Many moving companies provide extremely low basic coverage (e.g., only 10% of the service fee or unrealistic per-item limits) that rarely covers actual damages.
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The Big Move Difference: Our basic insurance, included in your service fee, covers up to 100% of the moving cost. This provides a fair and reasonable safety net for general moves, effectively easing your financial burden in case of unforeseen incidents.
2. We “Dare” to Guarantee Property Protection (Floors & Walls)
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The Market Standard: About 80% of moving companies do not accept responsibility for the premises—whether it’s elevator damage, floor scratches, or wall scuffs—leaving customers to pay for repairs out of pocket.
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The Big Move Difference: We take full responsibility. We are happy to guarantee and repair any damage caused during the move at your new condo or house (destination), provided the customer conducts a pre-work inspection with us. This reflects our absolute confidence in our professional team.
3. “End-to-End” Premium Supplemental Insurance (Premium A)
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For customers moving high-value items where basic coverage isn’t enough, we offer Premium A.
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This optional coverage is designed to close every gap, protecting your items from the moment packing begins > during transit > unpacking > until items are placed in their final position. It is the ultimate choice for luxury furniture or precious collections.
4. Clear and Transparent Terms for Your Maximum Benefit
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While our terms may seem detailed, we believe clarity is better than ambiguity.
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We clearly define the steps required for a successful claim (e.g., professional packing for fragile items, functional testing of appliances, immediate reporting). This guarantees that “if you follow the protocol, you will certainly be compensated” without excuses or delays.
Important Terms & Exclusions (Please Read!)
1. Non-Claimable Items
Big Move will not be held responsible in the following cases:
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Self-Packed Items: Any items wrapped, packed, or boxed by the customer.
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Scratches/Scuffs: For used furniture and items, insurance covers only breakage or structural damage (cracks/snaps), not cosmetic scratches.
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Electronic/Internal Failures: If there is no external damage but the appliance fails to turn on, it is not covered by insurance.
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Items inside Cabinets/Drawers: Please empty all drawers and fridges, or request our staff to pack them for you.
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Old Premises (Origin): We do not cover scratches at the old house/room. However, we do cover common areas (elevators, hallways) at both the origin and destination.
2. Property Protection (Floors & Walls)
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Destination (New Home): Guaranteed only if the customer conducts a walk-through inspection with our staff before moving items in.
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Repairs: If damage occurs during the move, we will repair it (coverage not exceeding the total moving service fee).
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Note: Failure to conduct a pre-move inspection voids all property damage claims.
3. Claims Process (Critical Steps)
To ensure your claim is valid, you must:
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Report Immediately: You must inform the on-site supervisor on the moving day only.
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Document in Writing: Note the specific damage on the “Job Completion” form.
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Photos: Take photos of the damage and send them to our office immediately.
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No Delays: Claims reported after the move day or the following morning will not be accepted.
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Unpacking Requirement: If the customer requests “not to unpack” certain items to do it later, Big Move is not responsible for any damage found inside those packages later.
Pro-Tips for a Smooth Move
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Fragile/High-Value Items: Do not pack these yourself. Let our professionals do it to ensure insurance coverage.
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Video/Photo Evidence: Take videos of your appliances working and photos of large furniture before the move begins.
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The Walk-Through: Spare 5-10 minutes to walk through your new home with our team lead to check the condition of floors and walls before we start.
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Luxury Goods: If your items are very expensive, Premium A is highly recommended for total peace of mind.
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