Liability & Insurance

Coverage overview

As a licensed Colorado and federal motor carrier, Summit Moving Pros is required by law to carry specific insurance coverage. We carry more than the minimum — including a $2,000,000 commercial general liability policy that goes well beyond the industry standard.

Our insurance program has three layers that apply to your move:

• Business insurance: protects our company, our trucks, and our employees
• Cargo insurance: covers the goods in transit during your move
• Valuation protection: covers your items against damage or loss, and is selected by you before the move

Basic valuation (free)

Every move we perform automatically includes basic valuation coverage at no additional charge. This is the minimum level of protection required by Colorado law for licensed household goods movers.

How it works

Basic valuation pays a fixed rate of $0.60 per pound, per item, up to a maximum aggregate liability of $2,000 per shipment.

What that looks like in practice

As you can see, basic valuation is fine for everyday items — towels, kitchenware, books. It's completely insufficient for electronics, furniture, artwork, instruments, or anything with meaningful value.

Full-value protection

Full-value protection (sometimes called "full replacement value" or "FVP") covers your items at their actual fair market value — not by weight. If a $1,800 TV is destroyed, you get $1,800 (or a replacement of equivalent value), not $24.

How it works

• You select full-value protection before the move begins
• You declare the total value of your shipment (or accept our standard valuation based on inventory)
• Cost is typically 2–4% of the total declared value, added to your move price
• If an item is damaged, you can choose repair or cash replacement at fair market value
• No per-pound cap; no aggregate $2,000 cap

Typical cost examples

For items valued over $50,000 individually — or for high-value collections such as wine, art, or instruments — we can also add a specific item rider through our carrier at cost. Ask your coordinator for details.

Compare coverage tiers

Here's a side-by-side look at what each tier actually covers:

Business insurance

Beyond cargo and valuation, Summit Moving Pros carries comprehensive business insurance to protect our operations and your move. These policies apply regardless of which valuation tier you select.

What's not covered

No moving company can cover everything, and any mover that tells you otherwise isn't being honest. These items and situations are excluded from both basic valuation and full-value protection:

Items you packed yourself

If we didn't pack the box, we can't know what was inside it or how well it was protected. Customer-packed boxes are covered for external damage (if we dropped the box, we pay for the box and its declared contents), but not for internal breakage caused by inadequate packing.

Internal mechanical or electrical damage

If a TV powers on but shows a cracked screen, we cover it. If it turns on fine and dies two months later, we don't — that's a manufacturer or age issue, not a move issue.

Pre-existing conditions

We're not responsible for damage to items that were already compromised — dry-rotted wood, cracked marble, loose hardware, worn upholstery, or already-failing mechanisms.

Cash, jewelry, and documents

These should never be packed on a moving truck. If you choose to ship them with us, they must be declared and documented in advance, and coverage is limited.

Prohibited and hazardous items

Flammables, ammunition, explosives, and other prohibited items are not covered and cannot legally be transported. See Section 8 of our Terms of Service for the full list.

Consequential damages

We do not cover indirect or consequential damages — including loss of use, loss of business income, temporary housing, or missed appointments caused by a delayed move.

Items you moved yourself

Anything transported in your personal vehicle or by a third party is not covered by our valuation protection.

How to file a claim

If something is damaged or missing after your move, contact us as soon as possible. We take claims seriously and we resolve them quickly — most are completed within 7 business days.

What you'll need

• Your move date and booking reference (if you have it)
• Your full name and the address we delivered to
• A description of each damaged or missing item
• Photographs of the damage, ideally with the item in the room where it was placed
• Any receipts, appraisals, or values you have for the items

Where to send it

• Email: [email protected]
• Phone: (303) 893-8200
• Mail: Summit Moving Pros LLC, Attn: Claims, 745 Lipan Street, Denver, CO 80204

Deadline

All claims must be submitted within 30 days of delivery. This is the deadline set by Colorado law and federal regulation. If you find damage after 30 days, call us anyway — we may still be able to help, but we can't guarantee it.

Claims process

Here's exactly what happens after you submit a claim. No black boxes, no runaround.

1. You contact us

   Email, phone, or mail — whatever works for you. We log the claim the same day and assign it to the coordinator who handled your original move.

2. We acknowledge within 24 hours

   You receive a written confirmation that we've received your claim, along with the name and direct phone number of the person handling it.

3. We review and validate

   We compare your report against our pre-move condition documentation, our loading photographs, and our delivery records. If we need more information, we ask for it in one call — not five emails.

4. We make a determination

   You receive a written decision within 7 business days. If the claim is approved, we offer repair or replacement (your choice) at the value covered under your plan — basic valuation or full-value protection.

5. Repair or payment

   For repairs: we coordinate directly with a vendor and pay them. For replacement or cash settlement: payment is issued by check or ACH within 5 business days of your acceptance.

6. Appeal if needed

   If you disagree with our determination, you can request a written review by our general manager within 30 days. We respond within 15 business days.

Certificates of insurance

If your building, landlord, HOA, or commercial client requires proof of our insurance before your move, we can provide a Certificate of Insurance (COI) on request.

How to request a COI

• Email [email protected]
• Include the name and address of the certificate holder
• Include any additional-insured or waiver-of-subrogation requirements
• Include the desired coverage limits and any specific endorsements needed

Standard COIs are issued within 1 business day. Certificates requiring custom endorsements (added insured, waiver of subrogation, primary and non-contributory language) are typically issued within 3 business days.

Typical certificate information

Contact

For claims, insurance documentation, or questions about coverage — reach out any time and a real person will respond.