Insurance
At Saskatoon Movers our workers, our managers and our entire staff do everything in their power to make sure that no damages will occur. Unfortunately with all the preparation and safeguarding available, accidents still can happen. That is why we have insurance options available to protect the safety of your belongings.
There are several insurance options available if your valuables are estimated under $50,000. If your possessions are valued above $50,000 and consist of valuable items such as electronics, pianos and artwork, or if you have an individual item valued at more than $5,000, please ask your Project Manager know.
Standard Valuation Coverage
This coverage is provided by Saskatoon Movers at no cost to you. In the event of an accident, you will be entitled to $.60 per pound per article. This ordinarily does not provide enough protection for your possessions. If you are interested in upgrading the available insurance please contact your project manager and he or she will provide you with an accurate insurance estimate based on the value of your belongings.
Full Replacement Value Insurance
Two insurance companies that offer full replacement value moving insurance are Moving Insurance.com and Baker International. Full replacement coverage has a much more inclusive coverage than regular standard valuation insurance, and generally offers more options regarding deductible levels and the amount of coverage. If your possessions are valued above $50,000 and consist of valuable items such as electronics, pianos and artwork, or if you have an individual item valued at more than $5,000, please ask you Project Manager about full replacement value insurance or contact one of the companies above.
Certificate of Insurance
Saskatoon Movers maintains in excess of one million dollars worth of General Liability insurance, as well as required Disability and Worker's Compensation insurance coverage. Nearly every commercial office requires some form of insurance certificate prior to any work being performed. Please contact us to discuss what insurance may be needed. Any insurance claim to Saskatoon Movers regarding possessions or damages to the home will have a $100 deductible. Deductibles and coverage will vary depending on the type of optional insurance that is chosen. Keep in mind that most homes have insurance that covers your belongings already, please contact your insurance agent to see what coverage you already have in place.
Contact us today at 306.979.8858 for your Free Moving Estimate and Consultation.
Protection Plans
You should always contact your home insurance agent before
moving, and ask if your existing policy covers "Goods in
Transit". Saskatoon Movers is not an insurance agent.
Our Protection Plans are designed to compliment, not
replace, your existing coverage.
Our standard valuation coverage is included with every move
we do. It is incorporated into the price of your move, and
covers you from the moment we arrive at your home, until the
moment the truck pulls away from your new residence.
The standard valuation coverage covers your goods for a
maximum of
$0.60 per pound per item.
For example, a 100 lb dresser would be covered for up to
$60.00. Obviously, this would not replace a new dresser,
but it would easily cover any scratch or dent repair
required. Our Extra Protection Plans offer additional
protection for your household goods. You may purchase
Increased Valuation at any time before your move commences.
Increased Valuation is based on the Declared Value of your
shipment. Declared Value is the total combined value of all
the goods in your shipment.
The cost of Increased Valuation is $60.00 per $10,000.00
Declared Value. There is a minimum purchase of $10,000
Declared Value, and a maximum purchase of $5.00 per pound
liability or $50,000 Declared Value, whichever is less.
For example, if your shipment has been estimated at 5000
lbs, then the maximum Declared Value of your shipment would
be $25,000 (5000 lbs x $5.00 /lb). The charge for $25,000
Declared Value at $5.00 per pound would be
$150.00 ($25,000 / $10,000 = 2.5, 2.5 x $60.00 = $150.00).
If an item was damaged it could be repaired, replaced or
paid out based on $5 per pound/item. 100lb item could pay up
to $500.
Another example, if your shipment has been estimated at 5000
lbs, then if you wished you could declare the value at $2
per pound. (5000 lbs x $2.00 /lb). The charge for $10,000
Declared Value at $2.00 per pound would be
$60.00 ($10,000 / $10,000 = 1, 1 x $60.00 = $60.00). If an
item was damaged it could be repaired, replaced or paid out
based on $2 per pound/item. 100lb item could pay up to $200.
If you wish you can choose the value of the payout at $1,
$2, $3, $4 or $5 depending on the amount of weight you are
moving.
Our Protection plans are not full replacement
insurance. Your goods are covered based on their age and
condition when we arrive at your home. We have the option of
repairing or replacement value.
If our Claims Adjustor determines that replacement is in
order, a 5 year-old television will be replaced with a 5
year-old television or equivalent value. The maximum
liability of Saskatoon Movers cannot exceed $5.00 per
pound.
Please check with your home insurance agent, or speak with
one of our Customer Service Agents about Third Party
Insurance if you need coverage above and beyond our maximum.
Items not covered
Due to the design and/or construction of certain items, company policies, as well as Government Regulations, there are several items which are not covered under our Protection Plans.
Saskatoon Movers Moving Company assumes no liability for the following items;
- Customer Packed Boxes - VERY IMPORTANT.
- The contents of your boxes are not covered unless they have been packed by Saskatoon Movers agents or employees.
- In the event that a customer-packed box is lost or destroyed, compensation will be computed based on an average weight of 35 pounds per box, REGARDLESS of actual box contents.
- Pressboard/Particle Board Furniture.
- Disassemble pressboard furniture if possible, package fasteners separately.
- Halogen Pole Lamps.
- Disassemble and box halogen pole lamps to protect them, always remove bulbs.
- Live Plants or Perishables.
- Avoid packing food or plants if at all possible, use open-top boxes or wardrobes for plants.
- Electronics & Musical Instruments (Internal Mechanisms).
- Includes the internal workings of all electronic items such as televisions, stereos, computers,
computer accessories and all musical instruments.
- Have your electronics and musical instruments professionally prepared for moving beforehand.
- Unpackaged Glass.
- Includes glass framed artwork, fish-tanks, tabletops, and mirror glass.
- Glass must be pre-packaged by a Saskatoon Movers agent to be fully covered.
Special Considerations
In order for your shipment to be fully covered either you
or an agent approved by you MUST be present at both pick-up
and delivery. It is usually not necessary to remain for the
entire process. You must inform the driver of the moving van
if you will be leaving before the pick-up or delivery is
completed.
If your shipment will be delivering into Saskatoon Movers
storage for more than 60 days, it is very important that you
or an agent approved by you is present during unloading.
By signing the completed bill, you are confirming that
all listed goods
have been received in apparent good order.
If for any reason you are unable to take delivery of your
goods at the scheduled delivery time, then your shipment
will be held at your own risk.
Articles of Extraordinary Value must be declared
to us before shipping
and specifically agreed to in writing on both the invoice
and the inventory.
WE DO NOT TRANSPORT EXPLOSIVES OR
DANGEROUS OR HAZARDOUS MATERIALS.
This includes but is not limited to; propane tanks, gasoline, diesel, oil,
paint, flammable solvents, aerosols, ammunition, commercial explosives,
fireworks, and all materials classified as a biohazard.
If you ship any of these goods without our knowledge, you immediately void
any and all liability by our company for all damages, and you will be held
responsible for any damages, fines, warehousing costs, and delays incurred by
our company resulting from the transport of these materials.
For more information on Dangerous Goods, visit the
Transport Canada
website.
DELAYS IN SERVICE
At or before the time of loading, you will be provided
with a date or time period in which your goods will be
delivered.
Subject to circumstances beyond our control, if we do not
deliver within the specified time period, we will be liable
only for reasonable food and lodging expenses incurred by
you and your family.
You will be required to produce receipts before
compensation.
If for any reason you are unable to take delivery of your
goods at the scheduled delivery time, you may be held liable
for storage and handling charges.
SUBMITTING A CLAIM
The claims process follows a few simple steps;
- In order to begin a claim, you must provide written
notice (letter, fax or e-mail) of your claim within 45
days of completing your move. Claims submitted by
telephone will not be processed.
Claim notices must include; date of shipment, customer
name, origin of shipment, destination of shipment, and
particulars of claim.
To download a printable Claims Report
click here.
Remember, your claim must be received within 45 days of
move completion to be considered.
- Once your report has been received, a
Claims Adjustor will investigate your claim. This may be
a lengthy process so please be patient. The Adjustor
will need to examine the move paperwork, speak with the
crew or crews involved in your move, determine fault and
responsibility, confirm any price estimates you have
submitted, and contact repair companies as necessary.
- You will be contacted as soon as the Claims Adjustor
has reached a decision on your claim.
Contact us today at 306.979.8858 for your
Free Moving Estimate and Consultation.
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