Designed for corporations with a significant number of employee
relocations, our ReloCover program insures the transferee’s
household goods door-to-door during packing, transit and while in
professional, warehoused storage. This product is available for both
domestic and international relocations.
The considerably broad policy terms are based on an "All Risk"
coverage format that can be tailored to meet client budgetary needs
by excluding specific perils. Claims are paid based on the cost to
repair a damaged item, or if the item cannot be repaired, the cost
to replace it with a similar one of the same quality at destination.
Replacement cost of antiques and fine art is based on appraised
value. Coverage is underwritten by the Indemnity Insurance Company
of North America, an ACE Company with A.M. Bests "A" Rating.
Claim Service -
The Core Ingredient
No matter how careful the moving company, moving is inherently
dangerous to household goods. Claims are frequent, and therefore
claims adjusters are active members in the day-to-day service we
provide. UNIRISC is unique in that all claims are adjusted in house,
not handled by underwriters or farmed out to a third party. This
allows for an unparalleled level of communication between account
manager and adjuster and access for the corporate relocation
coordinator to the person settling their transferees’ claims.
Furthermore, UNIRISC operates solely in the relocation niche; our
adjusters handle only relocation claims - and they handle a lot of
them, roughly 20,000 a year. They have seen it all: from the common
broken china, and nicked or scratched furniture to the occasional
van fire that consumes all of a transferees items, to the
catastrophic warehouse flood that destroys several transferees lots
all at once. This experience provides the expertise to settle claims
quickly, and fairly thereby removing distractions from the
transferred employee painlessly as possible. This is why we consider
claims adjusting the principal aspect of our product.
Risk Management - The Best Claim to Handle is the One that Doesn’t
Knowledge gained from settling claims is passed on to future
transferees in the form of pre-move insurance guides and counseling,
preventing some claims from ever occurring while preparing the
transferee for those that do. The end result is that even those
employees that do not have damage to their shipment know that their
employer provided a first rate benefit.
In addition, data collected during claim settlements is compiled
into accurate reports that provide independent, quantitative,
impartial statistics to use to analyze the performance of the van
lines that move the goods as well illustrate exactly how premium
dollars are spent.
Simply said, nothing is wasted.