Fully Insured Movers Vancouver — $2M Liability Coverage

Our Commercial General Liability policy provides protection against accidental third-party property damage or bodily injury that may occur while our team is performing moving services.

• Accidental damage to walls, flooring, doors, railings, or building common areas.
• Third-party bodily injury resulting from our operations.
• Property damage caused by our employees during the move.

Coverage is subject to the terms, conditions, exclusions, and limits of our insurance policy.

In addition to our standard coverage, we offer two levels of protection for your household goods: Basic/Limited Liability and Full-Value Protection. Each has different levels of financial responsibility and cost, giving you the option that suits your move and your budget.

This is the standard level of protection — included automatically unless you choose otherwise.

• Coverage is based on a fixed amount per pound of weight of goods moved (for example, $0.60 per pound) rather than the full replacement value of the items.
• A good choice if the items being moved are of standard value and you are comfortable with minimal additional cost.
• Because coverage is weight-based and not item-value based, it may not fully cover higher-value possessions if loss or damage occurs.

Example: A wooden dresser weighing 150 lbs valued at $1,000 — under Basic Coverage at $0.60/lb, the maximum reimbursement would be $90 (150 lbs × $0.60/lb). This option is suitable for standard furniture and household items where keeping insurance costs minimal is the priority.

An optional upgrade you may select for higher peace of mind and broader coverage. With this option, 4 You Moving takes responsibility for the declared value of your shipment. If an item is lost, destroyed, or damaged, we will:

• Repair the item;
• Replace it with a similar item of like kind and quality; or
• Provide a cash settlement based on current market value.

Coverage is calculated according to the declared value of your goods, subject to any deductible you select. Ideal for moves with high-value, irreplaceable, or sentimental items where standard coverage may not suffice. Important: High-value items typically must be declared in advance and listed on your inventory for full coverage eligibility. Example: Using the same dresser — under Full-Value Protection, if it is damaged or lost, we will repair it, replace it with a similar model, or compensate you for its current market value. If your total shipment weighs 10,000 lbs, it would be valued at $100,000 total coverage under FVP (at $10/lb). Ask our team for the cost of this coverage.

Every member of our moving crew is covered through WorkSafeBC.

Insurance is only one part of protecting your move. Our goal is to prevent damage before it happens. Every move may include:

• Professional moving blankets
• Shrink wrapping for upholstered furniture
• Mattress protection (when requested)
• Furniture disassembly and reassembly (where applicable)
• Appliance protection
• Secure tie-down straps inside the truck
• Proper weight distribution during loading
• Careful handling of fragile items

Our movers are trained to handle residential and commercial furniture safely while minimizing the risk of damage.

We regularly move oversized and specialty items including:

• Pianos
• Gun safes
• Pool tables
• Hot tubs
• Large appliances
• Fitness equipment
• Antique furniture
• Artwork
• Glass furniture

Some specialty items may require additional equipment, additional movers, or special handling charges. Customers must notify us before moving day so we can prepare accordingly.

To help ensure a safe and successful move, customers are responsible for:

• Advising us of any unusually heavy or fragile items.
• Properly packing any customer-packed boxes.
• Removing cash, jewelry, passports, important documents, medications, firearms, and other valuables before moving begins.
• Reserving elevators and parking when required.
• Ensuring clear and safe access to both pickup and delivery locations.

For safety and legal reasons, we cannot transport:

• Firearms or ammunition
• Explosives
• Hazardous chemicals
• Propane tanks
• Gasoline
• Paints and solvents
• Illegal substances
• Perishable food (unless arranged in advance)

Although every reasonable precaution is taken to protect your belongings, accidents can occasionally happen. If you believe damage occurred during your move:

• Notify your crew leader immediately whenever possible.
• Submit your claim within 7 calendar days after delivery.
• Include photographs and a description of the damaged item(s).
• We will investigate the claim promptly and work toward a fair resolution.

Claims submitted after seven (7) days may not be eligible for review.

Our liability is limited to the coverage provided under applicable law, the terms of your moving agreement, and our insurance policies. We are not responsible for:

• Items packed by the customer unless external damage is evident.
• Mechanical or electrical failure of appliances or electronics.
• Damage resulting from normal wear and tear.
• Particle board or previously repaired furniture that fails during normal moving.
• Natural disasters, severe weather, road closures, or other events beyond our reasonable control.

Our crews follow industry best practices on every move, including:

• Safe lifting techniques
• Proper furniture wrapping
• Floor protection when appropriate
• Secure truck loading
• Equipment inspections
• Ongoing safety training

Our objective is simple: deliver your belongings safely while providing professional, reliable service from start to finish.

Many apartment buildings, strata corporations, office towers, and property managers require proof of insurance before a move.