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Guide

Insurance when moving expensive equipment: what to check

What to check about insurance before moving expensive equipment: coverage amount, exclusions, documentation before the move and how to report damage.

In short

Before moving expensive equipment, ask the mover for insurance details, check that coverage matches the equipment value and what is excluded, photograph instruments before the move and report damage quickly. Also check what your organisation's own policy covers.

Questions for the mover

  • What is the coverage per project and per item?
  • Does it cover lab and medical equipment?
  • Does it cover loading and unloading?
  • What is the deductible?

Common exclusions

Internal faults not caused by the move, equipment you packed yourselves, and recalibration that is needed after any move. Know the condition of each instrument before the move.

Documentation

  • Photograph each valuable instrument before disassembly.
  • Keep a list with serial numbers and approximate values.
  • Check items jointly on unloading and report damage in writing.

More guides

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