Moving Insurance

Protection Plans

Our Basic Protection Plan 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.Two Small Men With Big Hearts Moving Company is not an insurance agent. Our Protection Plans are designed to compliment, not replace, your existing coverage.You should always contact your home insurance agent before moving, and ask if your existing policy covers “Goods in Transit”.

Basic Protection Plan

The Basic Protection Plan 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.

Increased Valuation Plans

Our Increased Valuation 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 $35.00 per $5,000.00 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 would be $175.00 ($25,000 ¸ $5,000 = 5, 5 x $35.00 = $175.00).

Protection plans

Our Protection plans are not full replacement insurance. Your goods are covered based on their age and condition when we arrive at your home. 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.

maximum liability

The maximum liability of Two Small Men With Big Hearts Moving Company 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.

Two Small Men With Big Hearts Moving Company assumes no liability for the following items:

  • Customer Packed Boxes: the contents of your boxes are not covered unless they have been packed by Two Small Men 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 50 pounds per box, regardless actual box contents
  • Pressboard 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 Two Small Men agent to be fully covered.
Special Considerations

full coverage

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 the moving van if you will be leaving before the pick-up or delivery is completed.

Special delivery

If your shipment will be delivering into non-Two Small Men storage for more than 60 days, it is very important that you or an agent approved by you is present during unloading. See Submitting a Claim for details.

long-distance moves

For long-distance moving, our movers will complete a detailed inventory (called a tag-and-list) which lists all the goods we will be carrying and the condition of those goods at the time of pick-up. This inventory takes a fair bit of time to complete, but you are not covered unless this inventory is fully completed and signed by both you and the driver of the moving van.

If you are pressed for time, you may waive the inventory, but you will be required to sign a damage waiver allowing us to move your goods at your own risk. Your goods will be checked at the time of unloading against the tag-and-list. By signing the completed inventory, 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

Articles of Extraordinary Value must be declared to us before shipping and specifically agreed to in writing on both the invoice and the inventory.

explosives or dangerous or hazardous materials

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.