Little Guys Movers Credentials
US DOT: #880583 / MC: #689082
Coverage
(we can't call it insurance, but it's almost the same)
RCP (Replacement Cost Protection):
In the past, customers who wanted "Full Coverage" for their belongings while in the care of the carrier/mover would be issued a policy specific to them bearing their name, address, etc. The insurance company would have to know about the move with enough advance notice in order to issue the policy and get it to the customer. The industry has simplified this process by allowing the moving companies to enter into an agreement with the customer that the Insurance Company will honor.
We, as movers, are not licensed to sell "insurance" so the insurance industry has come up with a product called "Replacement Cost Protection" and this is what we offer. Carriers/moving companies pay a yearly premium for this coverage and then sell it as needed to the customer. It works this way: the customer declares the "value" in cash of their goods and, for a premium, the carrier/mover agrees to be liable for the shipment up to a maximum of that amount. The carrier/mover and insurance company are liable for the value of the goods at the time they were damaged considering depreciation. The cost for this option through Little Guys Movers is $7.00 - $8.00 per $1000.00 (rates vary slightly by location / state) of declared value. (cost per $1000 may vary from location to location)
Example: Customer declares that their total goods are worth $20,000 to replace.
20 X 8 = $160. $160 would be added to the bill and they are fully covered.
$.60 Per Pound
There is no extra charge for this option, you will be asked to initial that you are releasing the shipment with this level of liability before the job begins. If you choose this option then the carrier/mover is only liable for .60 cents per pound per article. The insurance company uses the "Uniform Table of Weights" to determine the weight of any given item. For example, a color T.V. 25" or larger is 180 lbs. If the cost of repairing an item would be cheaper than paying out .60 cents per pound for it, then the carrier/ mover has that right. In other words, for a 180-pound T.V. you could only expect to receive a maximum of $108.00, if it were damaged beyond repair in the move. If the carrier/mover could get it fixed for $45.00 he would surely choose that option.
