Terms & Conditions

COVERAGE TERMS & CONDITIONS:

DEFINITIONS: Throughout this policy, “you” and “your” refer to the “insured” shown and “we”, “us” and “our” refer to the Company providing this coverage.

Household goods, personal effects, 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” coverage. 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.

***YOU MUST SUBMIT A VALUED INVENTORY TO MOVING SHIELD, LLC VIA EMAIL INFO@MOVINGSHIELD.NET BEFORE YOUR PICKUP/MOVING DATE STATED IN THE AGREEMENT!*** Items Not Listed on the Valued Inventory Are Not Insured! If you would like to list an item but do not know an appropriate name, category, please add it yourself under “Miscellaneous” and give your best description of the item and your best appraisal of the items worth. Failure to submit a valued inventory list not only makes items off the valued inventory list uninsurable but also does not constitute grounds for a refund of the premium paid. It is the policyholder’s responsibility to ensure the inventory list is submitted on time to guarantee coverage.

Moving Shield operates as a separate entity from any moving carrier. Consequently, we are not informed of any changes or updates made by your moving carrier unless directly notified by you, the policyholder. It is your responsibility to communicate any changes and updates to us, including but not limited to alterations in your moving carrier and updates to your inventory list and or changes of pick up/delivery date. This communication must be made via email to info@movingshield.net prior to your loading.

Additionally, to ensure the accurate processing of your claim, you are required to provide any Bill of Lading documents with signatures, acknowledging any damages, from the moving carriers at the time of delivery. Failure to provide this documentation may result in delays or denial of your claim.

Notice regarding Packed By Owner Items (PBO) —

We have noticed that you are packing some or all of your goods yourself. Any goods not packed by a Moving Shield, LLC approved and listed affiliate are considered Packed By Owner (PBO). In the event of a claim, compensation to such goods is limited and restricted as per the Terms and Conditions. Any damaged or missing items packed by the owner (PBO) have a Maximum recovery limit of $250 per item, carton, or container. Any loss of an inventoried PBO item MUST be noted on the paperwork at the time of delivery, and signed by both the customer and the driver. Any damage to an inventoried PBO box or carton MUST be noted as damaged on the delivery paperwork and signed by both the customer and driver, and photographs taken of the unopened carton(s). Plastic containers and their contents are excluded under all circumstances.

Standard Value Protection: Valuation coverage is a coverage option that protect the value of your belongings in the case of loss or damage. Basic released value protection is federally mandated and covers $0.60 per pound of belongings for free. Our Basic released value protection policy is our Standard Value Policy that ranges from $10,000 – $50,000 in total coverage, which covers $0.80 per pound. The cost of this policy ranges from 1-5% of the total amount of coverage.

coverage 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 coverage purchased must be not less than the current replacement value of the property. If a valued inventory has been submitted with the coverage document, the maximum liability shall not exceed the indicated amount. If any item is insured for less than the replacement cost, co-coverage 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.

Coverage 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 coverage under this term may cause the shipment to become underinsured and will place in effect the Co-coverage Clause. Co-coverage 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-coverage, 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 coverage and Replacement coverage 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 Shield 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 SHIELD, LLC, WITHIN 45 DAYS OF DELIVERY: All claim payments, minus any applicable deductible, will be made in U.S. Dollars. Premium for the coverage must be received by Moving Shield, LLC prior to any claim payment. If you file a damage claim, you must file first with MovingShield.net. You cannot receive compensation for damages from the coverage carrier and the moving company. It is illegal to collect twice on the same item(s).

Before recovering for any loss, you will, if requested: (a) permit us to inspect the damaged property before it is disposed of or repaired; (b) substantiate any claim amounts, value of items claimed, or proof of ownership (c) provide us with all pertinent records and reports needed to prove the loss.

PERILS: Touching the adventures and perils which the coverage 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 coverage document, the coverage 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 coverage. The coverage company will subrogate the legal liability to mover directly on items covered by the coverage.

SALVAGE: If the coverage 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.

This coverage includes coverage while in storage at origin and/or destination within an approved storage facility for a total of 90 days starting from the pickup-up date. Garages and other like facilities are not considered approved storage facilities. In case of a shipment being held in storage for a period of over 90 days starting from the pick-up date, the assured must promptly notify Moving Shield, LLC of the delay and pay an additional premium. If your belongings are delivered into a Self-Storage facility the coverage ends once the belongings are delivered into the unit.

EXCLUSIONS:

(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 Shield 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 Shield, 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 coverage 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 moving 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-coverage 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, any liquid cooled computer and its parts, mobile or cellular telephones, automobiles, 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:

(i) 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:

LIMITATIONS:

Driving must occur between the hours of 6AM and 10PM or the following conditions apply:

Driving must be done on Toll Roads and/or Major Highways when available.

GPS must be used on trucks with live monitoring, geofencing, and emergency plan in place.

Any stop / rest break / overnight must occur in a well-lit, fenced, secure facility with 24-hour professional security protection. Such locations must be alarmed, enclosed, and designated and customary for such stops.

Should we determine that any of the above requirements set forth above have not been complied with to our satisfaction and at our sole determination, we have a right to reject coverage for any and all claims that do not meet the required standards.

If a container is pulled from a port / airport and the destination is within 500 km by road, no overnight storage or stopping is covered without obtaining a special approval from the underwriter.

Coverage for theft, robbery, and hijacking limited to a maximum sublimit of $50,000 per container regardless of insured value during Road Transit and $25,000 per container and in the aggregate per train during Rail Transit.

Use of double 40′ containers behind one single truck shall void coverage for losses arising from overturning or accidents on roadways.

Use of light pickup trucks modified to carry cargo is prohibited and coverage voided if used (i.e. F350 with small box).

A special deductible of 20% of the sum insured (maximum $10,000) applies to each and every loss arising from theft, pilferage, robbery, hijacking, or similar.

MISREPRESENTATION AND FRAUD: This document shall be void if the Assured has concealed or misrepresented any material fact or circumstance concerning this coverage or the subject thereof. Any person who includes any false or misleading information on an application for an coverage 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 coverage 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 coverage 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 Shield, 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 Shield, 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 MovingShield.net, 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 Shield, LLC.

Moving Shield, LLC reserves the right to cancel any certificate without notice at any time; 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 coverage, and in case Moving Shield, 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:

Full Replacement Value — Valued Inventory – Small Move coverage

Household goods, personal effects, private private passenger automobiles and commercial goods shipped by land 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” coverage. coverage purchased as Full Replacement Value – Valued Inventory can be purchased for Domestic Intrastate and Interstate shipments and must specify covered item(s) by item name and declare a value for each item(s). Items not listed are not covered. Item(s) cannot be marked as “Miscellaneous” (“Misc”). If your shipment contains boxes, you must provide an inventory and value for each item within each box. Coverage is provided for a maximum of $10,000 per each individual item and a maximum of $50,000 per Certificate.

The settlement based on Full Value Replacement coverage and Replacement coverage will be the lesser of repair costs, replacement value or as stated on the valued inventory. In the event that an item or its parts cannot be restored to its original condition through repair or replacement, subsequent loss of value is not covered beyond the repair or replacement cost of the item or its parts.

The coverage Carrier reserves the right to replace the damaged or missing items with items of like kind and quality. If any item of a “set” is lost or damaged, payment is only made for proportionate value of the item damaged, not the entire set.

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. Any written exceptions for loss and/or damages must also be acknowledged by the signature of the driver in order for coverage to apply.

The amount of coverage purchased must be not less than the Replacement Value of the property. If it is, the coverage Carrier will not pay for the full value of any item lost or damaged. The Assured shall, to the extent of such deficit, bear his, her or their proportion of the loss. If a valued inventory has been submitted with the coverage document, the maximum liability shall not exceed the indicated amount. In no instance shall the coverage Carrier’s total liability exceed the insured value declared on this document.

TERMS AND CONDITIONS

PERILS: Touching the adventures and perils which the coverage 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.

SUBROGATION CLAUSE: After the payment of a claim under this coverage document, the coverage Carrier shall be subrogated to the extent of their payment to all the Assured’s rights of recovery against any person or organization.

SALVAGE: If the coverage 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. The coverage Carrier also reserves the right to inspect and to verify the claimed damages on any item.

CLAIMS FOR DAMAGES THAT HAVE BEEN NOTED ON THE DELIVERY RECEIPT MUST BE SUBMITTED IN WRITING TO MOVINGSHIELD.NET WITHIN SEVEN DAYS OF DELIVERY. ANY CLAIMS FOR CONCEALED DAMAGE MUST BE SUBMITTED IN WRITING TO MOVINGSHIELD.NET, WITHIN TWO BUSINESS DAYS OF DELIVERY: All claim payments, minus any applicable deductible, will be made in U.S. Dollars.

THE coverage CARRIER reserves the right to inspect and verify all reported damages and to require substantiation of any claims amounts, value of items claimed or proof of ownership. Coverage is for transit damage or loss only (while in possession of the contracted carrier identified on the Coverage Summary) and does not include any repairs or coverage of any pre-existing wear or damage to a piece.

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.

EXCLUSIONS:

(a) Loss or damage arising out of the acts of any government, customs authority, or official confiscation. Consequential losses due to delay or any depreciation in value are not covered.

(b) Loss or damage to jewelry, watches, gem stones, cash, currency or bank notes, deeds, firearms, travelers checks, coin or stamp collections, sports memorabilia,; ceramic, marble, granite or slate slabs, motorcycles, alcoholic beverages, negotiable items, furs or garments trimmed with fur, ammunition, contraband, cigarettes, laptop or tablet computers, mobile or cellular telephones.

(c) Loss or damage caused by wear and tear, deterioration, changes in climatic conditions, mold and mildew, infestations, pre-existing damages, inherent vice, or discovery of loss or damage after final delivery made that is deemed to have occurred while the shipment was NOT in transit, and therefore is not covered.

(d) 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 also excluded.

(e) Wrinkled or soiled clothing, linens, drapes, or rugs.

(f) Marring, scratching, denting, chipping, or rubbing on items which have been received by the carrier as Condition Unknown.

(g) Items not listed on the movers’ inventory prepared at origin. Items not shipped are not insured.

(h) Appraisal fees, estimate or inspection fees, shipping or transportation charges, sales tax, damages caused during assembly or disassembly of items that require third party service, items having no commercial value, items of sentimental value or property damage.

(i) Loss caused by nuclear reaction, radiation, or radioactive contamination, whether controlled or uncontrolled, however caused.

(j) Physical loss or damage to the property carried out for political, terrorist, or ideological purposes when property is in storage.

(k) Real Estate property damage and/or any service related issues, including but not limited to mover and customer agreements, shipment delays, etc.

(l) Damage to any furniture constructed of veneered chipboard, particle board, composite board, or similar. Any reduction in quality thereof arising as the result of dismantling or reassembling of any such items of furniture is also excluded.

(m) 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.

(n) 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.

(o) Loss or damage to automobiles while being driven under their own motor power except while on the premises and while being loaded and unloaded into and off the carrier. Marring, denting, chipping, or scratching on automobiles over five years old. Non-factory installed accessories or removable items on automobiles. Goods of a personal nature shipped inside an automobile are also excluded.

(p) Loss or damage caused by, resulting from, contributed to or aggravated by flood, surface water, waves, tidal water or tidal wave, overflow of streams or other bodies of water, or spray from any of the foregoing, all whether driven by wind or not.

MISREPRESENTATION AND FRAUD: This document shall be void if the Assured has concealed or misrepresented any material fact or circumstance concerning this coverage or the subject thereof. Any person who includes any false or misleading information on an application for an coverage 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 coverage afforded by the certificate listed on this document is subject to all the terms of such certificate. In the event that you file a damage claim, you must file first with MovingShield.net. You cannot receive compensation for damages from the coverage carrier and the moving company. It is illegal to collect twice on the same item(s).

EXAMINATION UNDER OATH: Before recovering for any loss you will, if requested: (a) permit us to inspect the damaged property before it is disposed of or repaired; (b) send us a sworn statement of loss containing the information we request to settle your claim. You must do this within 60 days of our request; (c) agree to examinations under an oath at our request; (d) produce others for examination under an oath at our request; (e) provide us with all pertinent records and reports needed to prove the loss; (f) cooperate with us in the investigation or settlement of the loss.

AGENCY: It is understood and agreed that any person authorized by the named assured or shipper to order this coverage 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 Shield, LLC two days prior to packing or moving date.

CLAIMS:

A. Claims will not be honored for the loss of any owner-packed items, cartons, or containers unless the shortage has been noted at the time of delivery and reported to the coverage Carrier within seven days of delivery. Any DAMAGE to contents of owner packed items, cartons or containers will only be covered if EXTERNAL damage to the packed item, carton or container is noted at the time of delivery and reported to the coverage Carrier within two business days. In the event of a Total Loss of the entire shipment, loss of any owner packed items, cartons, or containers will be covered for loss up to the face value of the certificate and the shipment’s declared value.

B. Maximum recovery on damaged or lost owner-packed items, cartons, or containers is limited to $750 per item, carton, or container with a maximum per claim payment of $2,500. Claims will not be honored for shortage of any owner-packed items, cartons, or containers unless that shortage has been noted at the time of delivery and reported to the coverage Carrier within two business days of delivery. In the event of a Total Loss of the entire shipment, loss of any owner packed items, cartons, or containers will be covered for loss up to the face value of the certificate and the shipment’s declared value.

LIMITATIONS:

A. Coverage of an entire set is not provided if any single item(s) is lost or damaged. Payment will only be made for the proportionate value of the item(s) lost or damaged.

B. All non-furniture items (lamps, including floor or pole lamps, mirrors, removable table tops, table leaves, etc.) must be boxed and labeled prior to the carrier’s arrival. Bed rails and slats must be bundled securely prior to the carrier’s arrival.

CONDITIONS:

(aa) Loss or damage to any item unless the premium for the coverage has been received by Moving Shield, LLC.

(ab) Non-delivery of a shipping package if the delivery receipt shows that all packages were delivered to the final destination.

(ac) Loss or damage to any items, unless loss or damage is noted on the Bill of Lading, Inventory or Delivery Receipt signed by all parties; with the exception of concealed damage to items packed into boxes, cartons, or containers; this must be reported within two business days of delivery.

(ad) Delicate and fragile items, including, but not limited to: lamps, glass tables/tops, marble tables/tops, slates, taxidermy, paintings, framed pictures, statues, chandeliers, display cases, when not packed and/or crated in wooden or other professional moving boxes and containers will not be covered. With regards to LTL (Less Than Truck Load) shipments with YRC, Conway Freight and R&L, items weighing more than 200 lbs must be skidded and all items with a value of $2,000 or more must be cushioned inside a fully enclosed plywood crate and packed and unpacked by a certified third party service or approved moving & storage company. All other approved carriers the crating requirement for items with a value of $5,000 or more must be cushioned inside a fully enclosed plywood crate and packed and unpacked by a certified third party service or approved moving and storage company.

(ae) Mattresses and boxsprings are specifically excluded from coverage unless packed in mattress cartons specifically designed for this purpose. Shrink-wrap alone does not constitute proper protection.

(af) The inventory as prepared by the Assured and/or the shipping/transportation company, must be noted and signed by all parties at loading and unloading for current conditions of the insured items.

(ag) All insured goods must be in the care, custody and control of and handled by a Moving Shield, LLC approved licensed, insured and professional Freight carrier, auto carrier, Moving and Storage Company or a Moving Shield, LLC approved professional labor service at all stages of the move in order for those goods to be insured. Non-compliance will cause the coverage certificate to become null and void.

(ah) coverage must be purchased prior to shipping and/or pick up by the carrier.

(ai) This certificate cannot be cancelled or modified once the pickup has occurred. Notes added to Coverage Summary by the assured can not alter or change coverage in any way.

(aj) In case of shipment being loaded and/or unloaded into a truck or a container by any person other than a Moving Shield-authorized loading and unloading affiliate, this certificate will become null and void.

(ak) Change of carrier must be notified to Moving Shield, LLC in writing, at least two business days prior to shipping date, 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.

(al) No items or goods can be added to or deleted from the certificate after items have been loaded on the truck(s).

(am) In case of any other coverage to the shipment, including but not limited to homeowners coverage, rental coverage, moving company’s coverage, 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.

(an) In case of the original shipping company subcontracting this move to another shipping company, the Assured must notify Moving Shield, LLC and confirm that both companies are authorized by Moving Shield, LLC.

(ao) In case of a claim, proof of value is required on all items. Acceptable proof of value is either a purchase receipt or a certified appraisal.

The following items are subject to a $250 deductible and specific Conditions and packing requirements and if all requirements are not met, loss or damage to these items will not be covered; Maximum coverage is up to $5000 per item, and only physical damage is covered, no mechanical and/or electrical derangement. All TVs and Grandfather/Grandmother Clocks must be packed and unpacked by a certified third party service or approved moving & storage company. All TVs and Grandfather/Grandmother Clocks must be inspected for damages at time of delivery, and any damages must be noted and signed by all parties on the inventory, bill of lading or delivery receipt.

TVs: Moving Shield, LLC must receive the year, make and model of any insured TV PRIOR to shipping. All TVs up to 37″ must be packed and unpacked by a certified third party service or approved moving & storage company into the original box with Styrofoam, or a box specifically made for this item. All TVs EXCEEDING 37″ must be packed into a solid wooden crate by a certified third party service or approved moving & storage company.

Grandfather/Grandmother Clocks: Must be packed into boxes/containers specifically made for these items, or solid wooden crates.

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

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 Shield, LLC, or this certificate will become null and void immediately upon discovery.

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.

coverage CONDITIONS:

DEFINITIONS: Throughout this policy, “you” and “your” refer to the “insured” shown and “we”, “us” and “our” refer to the Company providing this coverage.

PROPERTY INSURED: We cover your personal property or the property of others for which you may be liable or have assumed liability prior to a loss, during a full moving and storage phase and while in the Care, Custody and Control of our approved and certified moving and storage affiliate.

coverage purchased as Named Perils – Selected Inventory must specify covered item(s) by item name and declare a value for each item (s). The amount of coverage purchased must be not less than the current replacement value of the property. If a valued inventory has been submitted with the coverage document, the maximum liability shall not exceed the indicated amount. If any item is insured for less than the replacement cost, co-coverage 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.

coverage purchased as Named Perils -Total Value coverage 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. If any item is insured for less than the replacement cost, co-coverage will be applied to the insured amount in determining the insured value. Failure to purchase the coverage under this term may cause the shipment to become underinsured and will place in effect the Co-coverage Clause. Co-coverage 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.

CO-coverage EXAMPLE: Shipment weight: 5,000 pounds (or 714 cubic feet). To avoid co-coverage, follow this simple calculation: Multiply the weight of the shipment 5,000 pounds x $8.00, for a total insured value of $40,000.

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

The settlement based on this coverage coverage will be the lesser of repair costs, current replacement value or as stated on the valued inventory. Loss of value is not covered. Only repair costs are covered; charges related to appraisal fees, inspection fees, shipping charges, moving transportation charges, sales tax, manufacturers warranties, charges incurred for assembly/disassembly of items, items having no commercial value, and items of sentimental value are not covered. The coverage Carrier reserves the right to replace the damaged or missing items with items of like kind and quality. In no instance, shall the coverage Carrier’s total liability exceed the insured value declared on this document.

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.

This coverage includes coverage while in storage at origin and/or destination within an approved storage facility for a total of 90 days starting from the pick up date. Garages and other like facilities are not considered approved storage facilities. In case of a shipment being held in storage for a period of over 90 days starting from the pick up date, the assured must promptly notify Moving Shield, LLC of the delay and pay an additional premium. If your belongings are delivering into a Self-Storage Facility, your coverage ends once the belongings are delivered into the unit.

COVERED CAUSES OF LOSS WHILE GOODS ARE TRANSPORTED VIA THE APPROVED MOVING COMPANY:

1) Vehicle Accident

2) Rollover Accident

3) Fire

4) Lightning

5) Smoke

6) Burglary, except as excluded under Exclusion (e)

COVERED CAUSES OF LOSS WHILE GOODS ARE STORED AT THE APPROVED STORAGE FACILITY:
We cover direct loss to the insured property by the following causes of loss, except as otherwise excluded:

7) Fire or Lightning

8) Explosion of Sonic Boom

9) Strikes, Riots or Civil Commotion

10) Aircraft, Self-propelled Missiles or Spacecraft

11) Smoke

12) Falling objects, provided the building is first damaged by such falling objects

13) Vandalism or Malicious Mischief

14) Earthquake or Volcanic Eruption

15) Weight of Ice, Snow or Sleet

16) Sudden Collapse of Buildings or any part thereof

17) Water Damage except as excluded under Exclusion (d)

18) Burglary, except as excluded under Exclusion (e)

EXCLUSIONS:
We do not insure:

(a) Damages that occur during loading and unloading are specifically excluded from coverage.

(b) Motor vehicles subject to vehicle registration.

(c) Accounts, bills, currency, deeds, evidences of debt, securities, money, notes, animals, jewelry, watches, precious or semi-precious stones, furs or garments trimmed in fur, alcohol, cigarettes, laptop or tablet computers, mobile or cellular telephones; loss of electronic data.

(d) Against loss or damage caused by, resulting from, contributed to or aggravated by flood, surface water, waves, tidal water or tidal wave, overflow of streams or other bodies of water, or spray from any of the foregoing, all whether driven by wind or not.

(e) Against burglary, unless it occurred by forcible entry into a securely locked storage space provided there are visible marks of such forcible entry upon the exterior of the storage space. The mere absence of a lock or padlock will not constitute visible marks of forcible entry. Loss under this coverage must be immediately reported to the police department.

(f) Against Mysterious Disappearance.

(g) Against loss or damage caused by or resulting from wear and tear, gradual deterioration, inherent vice, latent defect, moths, insects, rodents, vermin, mildew, wet or dry rot, atmospheric condition and or changes in temperature; breakage of glass or similar fragile articles; delay, loss of use or market.

(h) Loss or damage arising out of the acts of any government, customs authority, or official confiscation. Consequential losses due to delay or any depreciation in value are not covered.

(i) Physical loss or damage to the property carried out for political, terrorist, or ideological purposes.

(j) War Risk and Governmental Action to the extent set forth in the War Risk and Governmental Action Exclusion.

(k) Nuclear Hazard, to the extent set forth in the Nuclear Hazard Clause.

(l) Plants and living things.

(m) Appraisal fees, shipping charges, sales tax, items having no commercial value, items of sentimental value or property damage.

(n) Merchandise for sale or exhibition.

(o) Loss or damage to any items or shipment that contains non household items, or items that are considered for commercial, industrial or non household use.

(p) Loss or damage to goods, unless the claim is supported by a legitimate police or fire department report.

(q) Loss or damage to the Storage Facility in which the goods are insured.

(r) Loss or damage due to 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 insured. This certificate specifically excludes coverage for the following, and 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.

(t) Loss or damage due to non payment of storage fees, causing a lien sale of goods by the moving and storage company.

(u) Fine Arts loss is limited to a $5,000 per item and a total of $25,000 per certificate.

AGENCY: It is understood and agreed that any person authorized by the named assured or shipper to order this coverage is acting as the agent of the Assured and is aware of the certificate terms and conditions. A customer signed certificate and terms and conditions must be received by Moving Shield, LLC prior to moving date.

All certificates of coverage with a total value of $30,000 or higher are subject to maximum per item coverage not to exceed 25% of the value of the certificate.

PAIRS AND SETS OR PARTS: Pairs and Set coverage is not available under this certificate. The coverage Carrier reserves the right to replace the damaged or missing items with items of like kind and quality. If any item of a “set” is lost or damaged, payment is only made for proportionate value of the item damaged, not the entire set.

OTHER coverage: If a loss covered by this policy is also covered by other coverage, we will pay only for the amount of covered loss in excess of the amount due from that other coverage, whether you can collect on it or not. But we will not pay more than the applicable Amount of coverage.

DUTIES YOU HAVE AFTER LOSS: All claims for loss must be filed no later than 45 days from the date of delivery. Claims should be filed directly on our website at www.MovingShield.net. After filing you will be required to provide the following: (a) documentation or official reports from local police or fire department agencies, supporting the claim; (b) description of how, when and where the loss occurred; (c) description of the property involved, and your interest in it; and (d) the names and addresses of any witnesses.

The coverage carrier reserves the right to inspect and verify all reported damages and to require substantiation of any claims amounts, value of items claimed or proof of ownership.

MISREPRESENTATION AND FRAUD This document shall be void if the Assured has concealed or misrepresented any material fact or circumstance concerning this coverage or the subject thereof. Any person who includes any false or misleading information on an application for an coverage 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 coverage afforded by the certificate listed on this document is subject to all the terms of such certificate. In the event that you file a damage claim, you must file first with MovingShield.net. You cannot receive compensation for damages from the coverage carrier and the moving company. It is illegal to collect twice on the same item(s).

EXAMINATION UNDER OATH: Before recovering for any loss you will, if requested: (a) permit us to inspect the damaged property before it is disposed of or repaired; (b) send us a sworn statement of loss containing the information we request to settle your claim. You must do this within 60 days of our request; (c) agree to examinations under an oath at our request; (d) produce others for examination under an oath at our request; (e) provide us with all pertinent records and reports needed to prove the loss; (f) cooperate with us in the investigation or settlement of the loss.

APPRAISAL: If you and we do not agree as to the amount of loss, you and we will each select a competent appraiser within 20 days of receiving a written request from the other. The appraisers will select an umpire. If they do not agree on an umpire within 15 days, either you or we will ask a judge of a court of record of the state in which the appraisal is pending to make the selection. The written agreement of any two will be binding and set the amount of loss. Each party will: (a) pay its chosen appraiser; and (b) bear the other expenses of the appraisal and umpire equally.

LOSS PAYMENT/OTHER RECOVERIES: We will pay or make good any insured loss under this coverage within 60 days after we reach agreement with you, the entry of final judgment or the filing of an arbitration award. We will not be liable for any part of a loss which has been paid or made good by others.

LEGAL ACTION AGAINST US: No one may bring legal action against us unless: (a) there has been full compliance with all terms of this coverage; and (b) 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 discovery of loss, 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.

TRANSFER OF YOUR RIGHTS OF RECOVERY AGAINST OTHERS TO US: If any person or organization to or for whom we make payment under this policy has a right to recover damages from another, that right must be transferred to us. That person or organization must do everything necessary to assist us, and must do nothing after the loss to hinder us in our recovery.