Answered by Staff WriterApril 16, 2013
No ifs, ands or buts about it, all moving companies are required to carry worker's compensation. It is the law and it must be followed.
Proof of Worker's Compensation
Worker's compensation is a form of insurance that assures that if injured on the job, an employee will still receive wages and medical benefits in lieu of suing their employer for the injury they incurred while working. A moving company must have this form of insurance in the case that one of their laborers is injured while moving your belongings. If they do not have the insurance, you will become liable for the employees injury, opening yourself up to a possible lawsuit in the worst case scenario.
Finding out if a company has coverage is number seven in the 10 most important questions to ask a mover. After inquiring whether or not the company has worker's compensation, ask to see a copy of the insurance certificate to avoid any possible moving cons that could cost you down the road.
License and Insurance
While a moving company supplies you with proof of worker's compensation, make sure they show you a copy of their current license and insurance as well. These documents are just as important as worker's compensation. If not properly licensed and insured, a moving companies mistakes could cost you big time, turning your dream home experience into a living nightmare.
Beware of blanket insurance. This type of coverage that assumes to protect all of your belongings by the moving company is a farce since most moving companies only provide minimal coverage. Ask for a copy of their insurance policy to assure you are not being taken advantage of before signing a contract. Since it is always better to be safe than sorry, it is a good idea to purchase moving insurance to better protect your belongings.
To assure you are hiring a reputable company, go to Movers.com and read moving reviews. Take some time to fill one out yourself so others can read about the company you choose to help you move.