Detailed Insurance Coverage, Liability & Coverage Options

1. Overview of Our Damage Policy

Rocket Services LLC provides labor-only services. Our crew loads, unloads, packs, unpacks, assembles, disassembles, arranges and carries items at your locations. We never transport, store or dispose of your property, and we never drive your truck.

The same Damage Policy applies to every job at no extra cost. There is nothing to select at booking, and Rocket Services does not sell an upgrade option. If you want more protection, see Section 5.

2. Your Belongings

• Limit: If our crew damages one of your belongings, our liability is limited to $0.60 per pound per item, up to $1,000 per job or the total cost of the job, whichever is less.
• Examples:
  • A 50 lb dresser: 50 x $0.60 = $30.
  • A 120 lb sofa: 120 x $0.60 = $72.
  • If the total cost of your job was $450, the most we pay is $450, even though $1,000 is the general limit.
• How We Resolve It: We may repair the item, replace it with an item of comparable value, or pay you, up to the limit above. Payment is not based on the original purchase price or sentimental value.

3. Your Home or Building

• Crew Negligence: If our crew’s negligence damages your home or building, such as walls, floors, doors or banisters, we will repair the damage or pay the reasonable cost of the repair.
• Exclusions Still Apply: This does not cover pre-existing damage, normal wear, or floor damage from heavy items when floor protection was not purchased, as listed in Section 4.

4. What Is Not Covered

• Exclusions:
  • Boxes packed by you or anyone other than our crew, unless the box shows outside damage from our crew’s handling
  • Particleboard or pressboard furniture, including during assembly or disassembly
  • Pre-existing damage and normal wear and tear
  • How electronics and appliances work (their mechanical, electrical or internal function)
  • Anything in your vehicle, rental truck, trailer or container once it is loaded, including load shifting, road conditions and accidents
  • Items in storage
  • Items you or anyone helping you lifted, carried, loaded or moved, and injuries to you or anyone helping you
  • Damage from following your instructions after our crew warned against it
  • Pianos, fine art, antiques, grandfather clocks and items over 400 lb (we don’t handle these items)
  • Cash, jewelry, documents and other valuables
  • Plants, pets and food
  • Delay or loss of use
• Customer and Helper Participation (At Your Own Risk): If you, your family, friends or anyone you bring choose to lift, carry, load or move items during the job, they do so at their own risk. To the fullest extent permitted by law, Rocket Services LLC is not responsible for injuries to you or your helpers, or for loss or damage to items or property you or your helpers handle, except damage caused by our crew and acknowledged by the team leader at the time it occurred. When others help, we cannot determine who caused any resulting damage. We recommend that only our crew carry heavy items and load the truck.
• Floor Damage from Heavy Items: If the Client did not purchase floor protection, Rocket Services LLC is not liable for scratches, scuffs, or dents to floors caused by moving heavy items that cannot be easily lifted and carried, such as equipment, appliances, or large furniture over 75 pounds. This includes damage caused by an item’s base or underside, such as a covered, upholstered, or hidden bottom, where scratching could not reasonably be foreseen. Floor protection can be added at booking.

5. Getting More Protection

Rocket Services does not sell extra coverage. For more protection, you can use:

• Homeowners or Renters Insurance: Check whether your policy covers your belongings while they are being packed, loaded or moved.
• Third-Party Moving Insurance: Buy it before the job. If you booked through HireAHelper, you can add HireAHelper’s SmartProtection.
• Your Rental Company’s Coverage for the Road: Use the coverage offered by your truck, trailer or container company, for example U-Haul Safemove. You are responsible for driving, securing the load for the road and anything in the vehicle once it is loaded.
• Your Responsibility: If you have third-party insurance, please share the details or a copy of the policy before your service. Compensation from Rocket Services LLC may be adjusted or limited based on what your insurer pays, as described in the Claims Policy.

6. Our Insurance

• General Liability: Rocket Services LLC carries general liability insurance.
• Workers’ Compensation: Our employees are covered by workers’ compensation insurance.
• Certificates of Insurance (COIs): Available on request for buildings, HOAs and property managers. Email info@rocketservicesllc.com with the building’s requirements before your service date. When a written contract requires it, we can name the building or property company as additional insured.

7. Claims

• Visible Damage: Report it to the team leader and have it noted before the crew leaves.
• Concealed Damage: Submit a claim with photos within 7 days of your service date. If Colorado law requires a longer period, that period applies.
• Keep the Item: Clients are required to retain possession of any damaged items until the claims review process is fully completed. Disposal of the item before resolution may affect eligibility for compensation.
• Process: Follow the claims process outlined in Appendix E. We send a written decision within 7 to 10 business days.