Business Insurance for Furniture Removalists
Moving furniture and helping people and businesses relocate has several risks. As a furniture removalist you may pack and unpack boxes, load goods onto the truck, protect the goods using hessian and pads so that items are not damaged, arrange the load to minimise chance of damage in transit, drive defensively avoiding sudden movements and collisions, unload the goods, unpack the goods, assemble and relocate furniture and many other situations.
While you take all necessary precautions the activities of furniture removal means that a number of things can go wrong where your clients or 3rd parties could seek damages from you. Items could be damaged or broken at any stage in the relocation process starting from the packing and loading stages, in transit right through to unloading and unpacking.
When moving bulky or complex items the damage could extend beyond damage to the actual item, to damage or injury to your clients property or person, and/or damage or injury to a third party property such as your neighbours or injury to a bystander.
While different furniture removalist and relocation tasks pose different level of risk when you move furniture for a living you are exposed to risks. . You, your clients or members of the public can be hurt. This in addition to damaging goods or property.
Situations that may be covered with removalist insurance
There are a number of risks for sole traders, contractors & small businesses operating as furniture removalists . Most of these risks are associated with the removal, storage, transportation and relocation of goods such as furniture, computer equipment, electronic goods, office equipment, heavy items, artwork and antiques.
Sole traders, contractors and businesses operating as furniture removalists face the risk that the goods they are removing, storing, transporting and relocating may be damaged or cause damage to property and public, plus damage to surrounding property. Goods in transit, slips, trips and falls, are also risks for furniture removalists.
- Removal, storage, transportation and relocation of goods
- Computer equipment
- Electronic goods
- Office equipment
- Artwork and antiques
Business insurance policies for Furniture Removalists
To protect you against insurable risks SMART may be able to provide you with a competitive quote on suitable business insurance for furniture removalists.
Public Liability Insurance:
Public liability insurance will be needed for:
- The risks of goods being removed, stored, transported and relocated causing injury to people or property
- Unauthorized access, attractive nuisance
- Liability to sub-contractors, vicarious liability for subcontractors
- Damage to customer and other third party property
- Third party injuries
- Goods in storage
Personal Accident Insurance
Personal accident for sole traders
- Strenuous work conditions including lifting heavy objects, standing for long hours, risk of working at heights, stooping and kneeling.
- Risk of injury from falls and slips.
Commercial vehicle insurance
Commercial motor, van insurance, and ute insurance, and truck insurance should also be strongly considered.
Furniture removalists business insurance quote
At SMART we aim to treat each of our clients with a friendly and personal touch. Monthly payments are available.
We talk to sole traders, sub –contractors and small business owners , including furniture removalists, all over Australia and provide business insurance quotes for them every working day.
For information or an affordable quote on suitable furniture removalist insurance TALK to a SMART Insurance broker on 1300 542 573 or email us at firstname.lastname@example.org for SMART insurance cover for your catering business.
1300 542 573
TALK to a SMART Business Insurance adviser
Monday – Friday 8.45 am - 6.00 pm AEST
Did you know?
Insurance brokers can help you with your claims.
With policies placed directly with insurance companies you are on your own when it comes time to claim.