First, we all buy insurance to cover many things that might go bad in our lives... auto accidents, medical problems, burglaries, etc. We do this even though we might be "perfect drivers", in the "picture of health", or have our home protected by the "best security system available". We don't intend for things to happen, but we recognize they may ... and we don't want to be left in a lurch.
The same is true for moving with Morgan Manhattan. The overwhelming vast majority of our moves are trouble-free. But even the most careful preparation and the highest level of professionalism can be undone by an accident or a human miscalculation. For this reason, we recommend that you make sure you are protected. By law, all moving companies (not just Morgan Manhattan) are limited to a very small amount of money as their maximum liability for the goods they move. For a local move, the law states that unless the customer purchases additional coverage, the mover's liability is limited to $0.30 per pound, per item. That translates to $15.00 for a 50 lb. chair or $0.60 for a 2 lb. porcelain figurine!! Without the purchase of additional "Depreciated Value" or "Full Replacement Value" coverage, a mishap with either of these could be costly to say the least.
As with all insurance policy purchases, you are happiest when you never collect on them. That money was used primarily to buy "peace of mind". We will very, very likely do a perfect job when we move you. You will have already bought that peace of mind. The extra coverage just completes the package.