Insurance

2 Pro Movers Inc. includes $50,000 of Full Replacement Value Insurance coverage in its rates for all “full-service” moves. This is not “valuated” insurance or a “protection plan” but rather real coverage directly through the insurance company*. This is the best coverage that a moving company can provide its clients. If anything is lost or damaged, the moving company must offer to repair the item, reimburse with cash, or replace it with an item of similar likeness and value. Employees are insured through WSIB and the company carries a $2,000,000 liability policy to protect itself and its clients.

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As with any insurance coverage, there is a deductible on claims. We charge a $200 deductible to initiate a claim process. Payment for moving services rendered along with payment of the deductible must be made in full before any claims will be processed.

There are also some limitations as to what will be covered by insurance and how things will be insured. Insurance will not cover:

• Mechanical or electronic functions of instruments, appliances or electronics.  These items would only be covered if they suffered obvious physical damage at the hands of our moving crew.

• Any item with an assessed value exceeding $2000 unless approved by management.

• Articles in drawers or contents of boxes/packages not packed and unpacked by an agent of the 2 Pro Movers.

• Particle board, press board or brittle antique furniture. No moving company will insure these as they are high risk for damage. Particle board and press board furniture usually come disassembled in a box – it does not transport well when assembled.

• Any furniture that the customer does not allow the movers to properly pad and/or wrap.

• Plants, pets, or anything living – the environment inside the cargo hold of the moving truck is not suitable for transport of living things.

• Sums of money, securities, articles of extraordinary value such as gold, silver, or precious stones. Items of high value should never be placed on a moving truck.

• Paintings, works of art, natural stone furniture, glass table tops, over-sized wall mirrors/paintings, grandfather clocks or other large fragile items unless documented and properly wrapped or crated by an agent of 2 Pro Movers.

• Memory foam or latex mattresses unless packed in mattress boxes.

• Any mattress that the crew is required to bend or fold during the moving process.

• Damage to linoleum, laminate, or other forms of fabricated flooring.

• Items lost that have not been inventoried by the company

• Damages resulting from natural disasters or other causes beyond the control of the company

• Any damage resulting from the interference or assistance of a customer or other(s) in the moving or packing process

• Damages to any item loaded to or from a vehicle not owned, leased, or otherwise contracted by 2 Pro Movers

• Any damages resulting from the transport of restricted items including: liquids, combustibles, corrosives, perishable food, soil, pets, plants or guns.