How your items are insured during a BoxHauls haul
Yes, your items are insured on every BoxHauls haul. Coverage comes from Hiscox Inc., with limits of $10,000 cargo / $1M liability.
Who carries the policy
Hiscox Inc. provides the coverage. It applies from the time the driver starts loading until your items are unloaded at the drop-off address. [TODO: confirm when coverage starts and ends]
Cargo vs. liability
| Coverage | What it pays for | Limit |
|---|---|---|
| Cargo coverage | Damage to the items being hauled | [TODO: cargo coverage limit from the policy] |
| Liability coverage | Damage the haul causes to other property: walls, floors, door frames | [TODO: liability coverage limit from the policy] |
The published limits are $10,000 cargo / $1M liability.
What isn’t covered
[TODO: policy exclusions, e.g. items packed by the customer, pre-existing damage, cash, jewelry, documents]High-value items
[TODO: how to declare high-value items before booking and whether extra coverage can be added]If something is damaged
Photograph the damage before the driver leaves, then report it through BoxHauls. Here’s how a damage claim works, step by step. For the rest of BoxHauls’ safety measures, go back to trust and safety.
Questions
Is my furniture insured during delivery?
Yes. Every BoxHauls haul is covered by Hiscox Inc. with limits of $10,000 cargo / $1M liability. You don't need to buy anything extra to be covered up to those limits.
Who provides the insurance?
Hiscox Inc. provides the coverage for BoxHauls hauls.
What's the difference between cargo and liability coverage?
Cargo coverage pays for damage to the items being hauled. Liability coverage pays for damage the haul causes to other property, such as walls, floors or door frames.
What if my item is worth more than the limit?
[TODO: how to declare high-value items and whether added coverage is available]