Explanation of Coverage

At MoveStar, we believe transparency and protection are essential to your moving experience. Below is a summary of the insurance coverage we carry to help safeguard both our team and your property.

Workers’ Compensation Insurance

Unlike most states, Texas does not require employers to carry Workers’ Compensation Insurance. Many moving companies choose to opt out due to high premium costs. However, MoveStar does carry full Workers’ Compensation coverage, which protects our employees in the event of a work-related injury. This means if a crew member is injured while moving your belongings, they will seek benefits through our insurance provider—not from you. This coverage is provided at no cost to the customer and reduces your potential liability. Choosing a company without this coverage may expose you to risk.

General Liability Insurance

Our General Liability policy covers accidental physical damage to your property during the move. This does not include normal wear and tear or any pre-existing damage. Like Workers’ Compensation, this coverage is provided at no additional cost to you.

Cargo & Warehouse Valuation

Basic Coverage
All moves include basic cargo valuation at no charge. This covers damage to household or office items during transit, reimbursed at $0.60 per pound per item. The carrier has the right to either repair or replace the item. Claims must be submitted in writing within 90 days of your move’s completion.

Extended Coverage – Transit Valuation
For enhanced protection, you may purchase optional Transit Valuation. This coverage extends from the start to the end of your move, offering broader protection for your belongings. The carrier retains the right to repair or replace damaged items. Coverage is subject to a $500 deductible, with other deductible options available upon request.

To purchase this coverage, please notify our office at least 72 hours before your move, specifying the desired coverage amount. Premiums are due on moving day. Claims under this policy must also be made in writing within 90 days of the move’s completion.