If an employee breaks the TV, the removal company is liable. If you cause the breakage, your household contents insurance will pay for the replacement or repair if you have taken out an "all risks” add-on. If a friend breaks the TV while helping you move, their personal liability insurance will cover the damage if the policy includes this type of unpaid work. The damaged items will only be insured at current value. To prevent damage, it is always worth packing the furniture well.