Relocating a house or relocating an office entails more than just packing up the boxes and arranging for a van. Some assume that when they book a mover, it’s all covered and they will be protected automatically. Sadly, it’s not always that simple.
Two crucial types of cover look after both clients and relocators: public liability insurance and goods-in-transit insurance.
Knowing what they do enables anyone employing Insured home movers Glasgow to make an informed decision. The names may be close, but they insure against completely different risks. One covers damage to other property or harm to other people, and the other covers goods in transit. The difference is what’s important in preventing future shocks in terms of additional expenses or contention.
What Is Public Liability Insurance?
Public liability insurance insures against damage or injury to third parties or their goods whilst in transit. For example, if a removal man knocks over the vase, scrapes the door, etc or if someone trips over packing goods, this insurance covers the eventual cost. This insurance is concerned with accidents that impact the environment or individuals rather than the contents in transit.
Virtually all professional removal companies in Glasgow have public liability insurance, as it reflects responsibility and professionalism. Public liability, though, does not extend to damage to goods being moved itself but rather addresses claims for accidents or injuries that occur as a result of executing the move.
What Is Goods-in-Transit Insurance?
Goods-in-transit insurance, also referred to as GIT, insures goods as they travel from point to point. The insurance covers loss, theft, and damage that can happen as goods travel in the vehicle or at loading and unloading points.
Average GIT policies cover:
- Incidental damage to transportation
- Robbery at the vehicle
- Damages due to handling loss
- Limited coverage for goods left in a car left unattended at night
But goods-in-transit insurance does not cover goods that have been stored or not yet loaded onto the vehicle. That requires a different policy. Though not a law in the UK, it’s highly recommended for any honest mover. Whoever is contracting a Commercial moving company Glasgow must have this cover on, at least for high-value and breakable objects.
Why Glasgow Movers Should Have Both
For anyone who is relocating within or around Glasgow, it will be full cover with both insurances. Public liability covers accidents within a property, whereas goods-in-transit covers contents whilst they’re in transit. Without both, a negligible accident would have the potential for unwanted cost or loss.
Home-moving clients favour Glasgow insured home movers with public liability insurance coverage since it covers their property from damage during the relocation period. Companies shifting office spaces depend on a Glasgow commercial moving company with goods-in-transit insurance coverage for securing valuable office equipment and papers in transit.
Move Safely with Confidence
Both insurance types are essential for securing individuals, property, and goods throughout a relocation process. Public liability insurance covers damage or injury caused by accident, and goods-in-transit covers goods on journey. Both, as a whole, provide total peace of mind.
For a safe, professional, and fully insured move, HJG Removals & Storage is a reliable option in Glasgow. This family-operated, local business has been handling both office and home relocations for over ten years.
