Moving & Furniture
Insurance Solutions For The Moving & Furniture Industry
For more than four decades, the SCHUNCK GROUP has been one of the leading providers of insurance solutions for national and international removal companies and their customers.
Our technical and insurance experts constantly analyse the removal and insurance market and develop their own insurance solutions for the removal industry in cooperation with customers and cooperation companies.
Internationally, the SCHUNCK GROUP cooperates with the world associations FIDI and OMNI and nationally with the removal cooperations UTS Deutschland and DMG.
What solutions does the SCHUNCK GROUP offer?
The SCHUNCK GROUP offers removal companies insurance cover tailored to their company-specific risk situation, based on the insurance solutions listed below. With us, you will receive a more comprehensive insurance cover, which also begins earlier and ends later than it does in the standard insurance policies on the market.
OUR INSURANCE SOLUTIONS:
This insurance solution secures the transport contractual liability of the removal company in accordance with the statutory provisions. In addition, freight forwarding, freight and storage contracts outside the removal activity are also insured. The coverage of an extra removal goods transport insurance is also possible.
With this insurance solution, all liability risks of the removal company are covered by one policy. You receive full coverage, as gaps in coverage or double insurance are effectively avoided.
The registration of the removal transport insurance is done online with simultaneous provision of all insurance documents. A special feature of this insurance solution is the different cover modules that can be selected according to the individual risk.
OUR IT SOLUTIONS:
Using state-of-the-art IT tools and API interfaces, we enable fully automated registration and claims processes to minimise redundant administrative steps. For example, insurance notifications are transmitted to the SCHUNCK GROUP via an IT interface, and insurance documents are created at the push of a button. In the event of a claim, the person moving can register their claim via the app in just a few steps, and then view the processing status at any time. Overall, communication is simplified enormously and claims processing is more efficient and faster.
WHAT ARE TYPICAL RISK SITUATIONS FOR THE FURNITURE FORWARDING INDUSTRY?
Due to legal regulations, the furniture forwarding company is liable to the person moving for damages that occur during the fulfilment of the removal contract.
Your belongings are exposed to a variety of risks during a move. This starts with dismantling, continues with packing, loading, transportation, unloading and unpacking and ends with the assembly of the removal goods. Not only the removal goods themselves can be damaged, but also the property of others, such as the landlord’s stairs, walls and floors. International removals involve the use of different means of transport and are often more demanding. A container on the sea route from Hamburg to Shanghai, for example, is exposed to several tens of thousands of shocks and also passes through various climate zones.
WHAT DOES A TYPICAL EXAMPLE OF DAMAGE IN FURNITURE FORWARDING LOOK LIKE?
National removal transport
A removal company takes over the entire move of a family. While transporting the five-year-old wall mirror to the first floor, the heavy mirror slips out of the hands of the employees of the removal company. This damages the newly laid parquet flooring and destroys the mirror. This incurs costs of 520 Euros for the replacement of the parquet flooring and 800 Euros for the replacement of the same mirror. Due to legal regulations, the forwarder is liable for these damages, but for the mirror only at the current value of 300 Euros.
The business liability insurance covers the damage to the parquet in full. The transport liability insurance covers the legal current value liability for damage to the mirror in the amount of 300 Euros. If the person moving had taken out removal transport insurance at reinstatement value, the mirror would have been completely replaced.
International removal transport
A businessman moves from Hamburg to San Francisco for work reasons. While transporting the two containers, the ship is caught in a severe storm in the North Atlantic. A container carrying his car goes overboard. The second container reaches the businessman’s house undamaged. Since he is not on site, the removal goods are unpacked by the local removal partner. The following night, the house is broken into and the home cinema system worth 15,000 Euros is stolen.
The value of the vehicle is replaced. The costs for a rental car during the first days on site must be paid by the person moving, as the removal company is not liable for such consequential damage to goods. The removal company is also not liable for the stolen home cinema system, as the removal contract was terminated at the time of the break-in.
Both the consequential damage and the theft of the home cinema system could have been insured by a removal transport insurance.