Insurance & liability

The short version

Moov'r is a marketplace, not a moving company or an insurer. Every Moov'r is an independent operator who must carry their own auto and cargo coverage appropriate to the tiers they run. Moov'r verifies that coverage exists before a mover can accept Tier 3+ work.

What's covered

Damage or loss caused by the Moov'r during loading, transit or unloading, documented in the pickup and drop-off photo log, filed within 72 hours. Resolution comes from the Moov'r's insurance, escrowed funds, or a Moov'r-issued refund, depending on the finding.

What's not covered

Cash, jewelry, documents and irreplaceable items. Pre-existing damage. Items packed by the customer where the box is intact but contents are broken. Hazardous, illegal or prohibited goods. Anything moved after a payment went off-platform — escrow and dispute protection do not apply to off-platform deals.

Acts of nature, road conditions and third-party accidents are handled through the Moov'r's auto policy, not Moov'r.

Filing a claim

Open the job, tap Report a problem, pick the damage category and describe what happened. Escrow is frozen automatically while we review. We look at your photo log, GPS trail, handoff PIN records and messages, then issue a decision — typically within 3 business days.

Liability limit

Moov'r's own liability for any single job is limited to the amount you paid for that job. This does not limit the Moov'r's liability or their insurer's obligations to you.