Coverage Options

When moving, deciding on a coverage option can be difficult and confusing. We are here to make it as simple as possible for you. It’s important to do your research and become an intelligent consumer with regards to your options and what best suits your needs. We understand it’s a personal decision. The below information will help you understand your options and what is best for you. If you are considering option 2 please read the terms of this coverage. Please let us know if you have any questions at all.

Our Coverage Options:

Option #1:
State Mandated Minimum

Maximum Liability limited to $0.60 per pound, per article.
If any article is damaged while in your mover’s custody, your mover’s liability is limited to the actual weight of the damaged article, based on industry standard weights, multiplied by $0.60. This is the basic liability level and is provided with the service. This is not a replacement or repair option. This coverage is based strictly on the weight of the article or item and disregards the actual value of the item.
Be advised: $0.60 per pound is considerably less than the average value of household goods.

Option #2:
Repair/Replacement Value

Maximum Liability limited to $6.00 per pound, per article. This is calculated by taking the weight of your shipment and multiplying it by $6.00 per pound (the average value of household goods) to calculate the max liability for your shipment

If any article is damaged while in our custody, Forward Moving LLC in its sole discretion, will either:
1) Repair the article to the extent necessary to restore it to the same condition as received or pay you the cost of the repair, or
2) Replace the article with an article of like kind and quality based on depreciated value.
3) Compensate you monetarily based on the depreciated value and agree to a compensation amount.
There is a $150.00 deductible for all claims. Note: In the event of a damage payment for service, premium and the deductible must be paid prior to claim being processed. Under replacement value protection there is a minimum of $25,000.00 and maximum of $50,000 in coverage per truck load. It is $6.00 for every $1000.00 in declared value. Please see the chart below.

** Service Charges including the premium and deductible are due prior to claim being processed**

Protection Level
(Shipment Declared Value)

(with $150 Deductible on top of premium)

Max Liability
$25,000 $150 (Minimum Premium)  $6 per lbs. per article 
$30,000 $180 $6 per lbs. per article 
$35,000 $210 $6 per lbs. per article 
$40,000 $240 $6 per lbs. per article 
$45,000 $270 $6 per lbs. per article 
$50,000 $300 $6 per lbs. per article 

If waving the State Mandated Minimum standard insurance and choosing the Repair/Replacement Value coverage I agree to the below terms.

I will move and will not have Forward Moving LLC move any of the following items.

  • Money
  • Valuable collections of any kind
  • Firearms
  • Stamp/coin collections
  • Narcotic Medicines
  • Jewelry
  • Stocks/Bonds
  • Deeds/Titles
  • Live Plants
  • Small Valuable Knick knacks or fragile items of exceptional value (I.E: Hummel’s, China, Valuable Dishware, etc.)

Things Forward Moving, LLC will NOT disassemble or reassemble uninstall or reinstall:

  • Ikea items
  • Furniture made of particle board
  • Hang or Mount TV’s
  • Treadmills
  • Elliptical s
  • Total Gyms
  • Refrigerators with Special electrical components and water lines
  • Washers and Dryers
  • 3 Slate Pool Tables
  • Note: Again, we are movers and not appliance technicians or carpenters.
  • Note: We will not reassemble something we didn’t take apart unless specifically requested

**There are exceptions if agreed upon prior to the date of service**
Forward Moving, LLC will NOT move or store the following and it is the customers responsibility to move them or arrange for other means of moving:
**We do have sub contracts for larger items**

  • Exceptionally valuable items that exceed $5000 in monetary value (Large item) or article) OR Exceptionally valuable items that exceed $5000 in monetary value (Small boxable items or articles). It is the customers responsibility to inform the Forward Moving crew of items with such value.
  • Small Miscellaneous Items that was the customers responsibility to pack into boxes prior to the move (Unless packing services were requested as part of the move)
  • We do not move open, heaping, un-taped boxes or containers (Potential spilling or breaking on truck)
  • Fragile items not properly packed. Example: Glass on Glass
  • Money
  • Firearms
  • Any and all important documents
  • Precious metals
  • Stamp/Coin Collections
  • Narcotic Medications
  • Jewelry
  • Stocks/Bonds
  • Deeds/Titles
  • Gasoline, propane or flammable substances
  • Live Plants
  • Gun Safes over 600IBLS
  • Hot tubs
  • Slate Pool Tables
  • Sheds
  • Swing Sets
  • Grand or Baby Grand Pianos

Forward Moving LLC will not be liable or responsible for any of the above listed items, even if taking out the replacement value coverage. By signing this agreement you are stating you are moving or taking liability for the following items:

The following are items that Forward Moving, LLC will move but, will not be liable for damage to, unless they are properly packed or crated by Forward Moving LLC. These items will not be liable under Replacement value coverage unless packed by Forward Moving.

  • Glass Top Tables
  • Marble Items
  • Pictures
  • Statues
  • Lamps
  • Electronic Equipment
  • Stereos
  • Televisions
  • Computer Monitor
  • China and Dishware
  • Hummel’s
  • Glassware

Forward Moving LLC will not be liable for moving any of the above items. If any substances or flammable liquids are packed and break Forward Moving LLC will not be liable for any claims. In the event something above is packed by mistake Forward Moving LLC will not except liability.

Forward Moving LLC will not be liable for any small items packed in boxes that was not packed professionally by Forward Moving itself. Any small items $1000.00- $2000.00 must be noted, inventoried and documented prior to the move if Forward Moving LLC is Moving, handling or storing the item or article.

The customer must disclose any small items exceeding $2000.00 in monetary value or any sentimental or personal belongings important to the customer. The customer must also disclose any furniture items considered to have “extraordinary value.” Extraordinary Value is described as any large piece of furnishing over $100.00 per pound per article or up to or exceeding $5000.00 in Monetary Value OR up to or exceeding $2000.00 in monetary value for Small items or articles. Small items or article are considered any items or article that is boxable in a standard small, medium or large box. Any furniture considered antique must be noted as well. The customer agrees to do the pre- walk through and disclose any of the above information laid out in this document.

I do NOT have any items or articles of extraordinary value that exceed $5000.00 in monetary value(large furnishings). I do not have any small items (boxable items or articles) exceeding $2000.00 in monetary value that Forward Moving LLC will be handling, moving or storing. I am liable for all items of Extraordinary value and am taking responsibility and liability for any items that may apply to “Extraordinary Value”.

The customer agrees for us to do a pre walk-through report where we document any previous damage or imperfections to the furniture items. All known previous damage or imperfections must be disclosed and documented prior to the relocation. The customer and the carrier must have records of any such damage or imperfections. Lack of documentation may void coverage. All items on the move must be listed and inventoried prior to the move taking place.

I understand that in the event of damage caused by Forward Moving LLC in the loading or unloading process. Forward Moving LLC has the right to fix, replace or compensate any and all damages that could occur in the moving process (Per individual occurrence.)
For all claims we must have photo documentation to process claims. Any and all disputes will be handled through arbitration if applicable.

I understand that if the move is coming out of a self-storage unit that was packed unprofessionally or self-packed any item coming from the unit Forward Moving LLC will not be liable for any damage or claims. Forward Moving LLC will not be liable for anything being moved out of a self-storage unit. Self-Storage will void this coverage unless agreed on prior that it was packed professionally and all items status is documented in the move out process. If forward moving packed the unit the coverage will still be in place.

I understand in the event of inclement weather, heavy rain, snow, or any other natural storm or weather event that Forward Moving LLC deems detrimental to your items and you choose to proceed with service the coverage will be void. If Forward Moving suggests that the weather can and will affect your items and you choose to proceed Forward Moving LLC will not be liable for any damages to the shipment or the facility and or property/dwelling you are moving into. Forward Moving LLC will then not be liable for carpets, moisture on floors or debris tracked into property of dwelling.

Option #3:

For the most comprehensive option, getting covered by a third party is the best way to ensure all your items are covered.
You may seek third party coverage to your items and your relocation by purchasing relocation insurance. We suggest and are affiliated with If you go to and sign up we will be notified and special handling will be taken to ensure coverage and protection to your item or items. This coverage is recommended when relocating extraordinary or high value items. Special crating and packaging is done for high value fragile items covered by if the crating is necessary.

Another thing you may want to try is to see if your homeowners policy covers relocation. If you have any questions about any of the options please let us know..


What You Need to Know  About Moving Coverage and Insurance
Affiliate Insurance Web Page Template.pdf
(click to view or right click and “save as” to download)
Moving Insurance: An Essential Relocation Safeguard

(click to view or right click and “save as” to download)

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