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Valuation Coverage

Household and Commercial

The difference between Valuation and Insurance


  • Has its basis in transportation law.
  • Is a level of liability the carrier agrees to assume and, depending upon the level of protection requested by the customer, may result in higher transportation rates.
  • No co-valuation is applicable.
  • Liability is limited to the time in which the goods are in the care, custody and control of the carrier’s actions or failure to act that are not excluded by the provisions of the Bill of Lading and Tariff.
  • The methods of handling claims are specified in transportation rules and regulations, the carrier’s Bill of Lading and tariffs.


  • Was developed to spread risk.
  • Is a contract in which an insurance company (or third party), for a premium, agrees to indemnify the shipper against loss from perils expressly stated in the policy.
  • A co-insurance provision may be applicable.
  • The insured is covered for listed perils and must show that a loss occurred and was a listed peril.
  • Is regulated by each state.
  • There may be 50 different sets of regulations and laws which cover policy rates, claim procedures, statutes of limitations and policy limits.

Available Valuation Coverage Options

Option A – Limited Liability
As required by the state of Massachusetts we are required to provide a Limited Liability to the customer at no charge. Under this option the level of coverage is limited to $0.60 per pound per article in the event of damage or loss.

Option B – Replacement Coverage ($0, $250 & $500 deductible)
This provides the highest level of coverage for your possessions. Replacement Cost Coverage provides you with repair, replacement or reimbursement at current market value (minus the selected deductible) for damage or loss to your goods. The decision to repair, replace or reimburse will be determined by the least costly route. There is a minimum charge associated with this coverage dependent upon the amount of goods to be relocated.


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Contact Information

Hartman Relocation Services Inc
272 Whitney Street
Leominster, MA 01453
Phone: 978.534.6249
Toll Free: 800.400.6249

Hartman Relocation Services, Inc. is a BBB Accredited Mover in Leominster, MA