CONDITIONS: Coverage will only apply if the following are met:
(aa) Premium for the insurance must be received by Moving Insurance, LLC.
(ab) The inventory as prepared by the Assured and/or the moving company must be noted and signed by all parties at loading and unloading for current conditions of the insured items. Refusal to sign the mover's documents forfeits your right to file a claim for loss or damage. Loss or damage to any items will not be covered unless loss or damage is noted on the Movers Bill of Lading, Inventory or Delivery Receipt signed by all parties. This condition does not apply to:
1. Concealed damage to items packed into boxes, cartons, or containers by the movers;
2. Damage to furniture items that is discovered after the bill of lading, inventory or delivery receipt has been signed as long as such damage is reported in writing to Moving Insurance, LLC via email or fax within 48 hours of delivery.
(ac) Delicate and fragile items or out of the ordinary items, including but not limited to: lamps, glass tables/tops, marble tables/tops, slates, taxidermy, paintings, framed pictures, statues, chandeliers, display cases, grandfather clocks, pool tables, wall units, chandeliers, hot tubs, which may or may not require the disassembling and/or reassembling of these items, must be handled only by a certified third party service or professionally packed and/or crated by the mover in wooden or other protective containers specifically manufactured for the item. Items valued at $5000 or higher MUST be professionally crated in a solid wood crate. Items valued at $10,000 or more must be serviced/crated by a certified third party company. Wrapping such items in moving pads does not constitute professional packing and are not covered under this certificate.
(ad) Articles not professionally wrapped with special moving pads, bubble wrap, and/or shrink-wrap are not covered. Mattresses and boxsprings are specifically excluded from coverage unless packed by the mover in mattress cartons specifically designed for this purpose. Shrink-wrap alone does not constitute proper protection.
(ae) Loss and/or damage on door to port shipments are not covered unless exceptions are noted on the paperwork when the shipment is received at the port of discharge and signed by all parties.
(af) If shipment is loaded out of storage, self or moving company's facility, where no prior coverage was provided by the Insurance Carrier, a complete and descriptive inventory must be prepared, identifying each item and its condition. Any packed and crated item(s) and/or boxes will be considered "Packed by Owner" and treated based on exclusion (a). Lack of such inventory will result in having this certificate provide "Total Loss Only" coverage.
(ag) Insurance must be purchased prior to packing or loading as conducted by the movers. No items or goods can be added to or deleted from the certificate after items have been loaded on the truck(s).
(ah) This certificate cannot be cancelled or modified once the moving process (packing and/or loading) has begun. Modification includes but is not limited to: Name of Assured, Type of Coverage, Declared Value, Deductible Level, Certificate Cost, Add-On Certificates. Notes added to Certificate Summary by the assured cannot alter or change coverage in any way.
(ai) All insured goods must be in the care, custody and control of and handled by a Moving Insurance, LLC approved licensed, insured and professional Moving and Storage Company or a Moving Insurance, LLC approved professional labor service at all stages of the move in order for those goods to be insured. In case of shipment being loaded and/or unloaded into a truck or a container by any person other than a Moving Insurance-authorized loading and unloading affiliate, this certificate will become null and void.
(aj) Change of movers must be notified to Moving Insurance, LLC in writing, at least 48 business hours prior to packing or moving date, whichever is first, 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. A refund will be provided, subject to the Cancellation Clause below.
(ak) In case of any other coverage to the shipment, including but not limited to homeowners insurance, rental insurance, moving company's insurance, 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.
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 Insurance, LLC.
Moving Insurance, 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 Insurance, LLC, or this certificate will become null and void immediately upon discovery.
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 insurance, and in case Moving Insurance, 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.
A. Cancellation of certificate for any reason must be done under the following conditions:
1. 48 business hours prior to the effective date of insurance, as indicated on the original certificate.
2. In writing by fax, letter or e-mail with our receipt acknowledgement.
B. $50.00 fee will be assessed to a cancelled certificate.
C. I acknowledge that the total cost of this policy includes insurers' premium and a Policy Fee to Moving Insurance, LLC's administrative cost and expenses.
D. In the event the certificate is cancelled, I understand that only the premium is subject to refund, less a $50 cancellation fee.