Kravag Insurance... where else! Our business liability, UMVS insurance, warehouse operator's insurance, and all vehicle insurance policies are covered by Kravag Insurance, each with a maximum liability limit of €2.0 million. The furniture removal company's liability - Information on the liability provisions pursuant to Section 451g of the German Commercial Code (HGB) - The furniture removal company is liable as a carrier under the removal contract and the German Commercial Code (HGB). These liability principles also apply to cross-border transports beginning or ending in Germany, even if different modes of transport are used. The liability provisions apply accordingly to storage where the depositor is a consumer. I. Principles of Liability The furniture removal company is liable for damage caused by loss of or damage to the goods while they are in its custody. II. Maximum Liability The furniture removal company's liability for loss or damage is limited to €620 per cubic meter of loading space required to fulfill the contract. Due to exceeding the delivery deadline, the furniture removal company's liability is limited to three times the freight charge. If the furniture removal company is liable for damages arising from a breach of a contractual obligation related to the execution of the move, and these damages are not caused by loss or damage to the goods or by exceeding the delivery deadline, and are not property damage or personal injury, then in this case, liability is limited to three times the amount that would be payable in the event of total loss of the goods. III. Compensation for Loss of Value If the furniture removal company is liable for compensation for loss of the goods, the value at the place and time of acceptance for transport must be reimbursed. In the event of damage to the goods, the difference between the value of the undamaged goods and the value of the damaged goods must be reimbursed. The decisive factor is the value of the goods at the place and time of acceptance. The value of the goods is determined by the market price. In both cases, the costs of assessing the damage must also be reimbursed. IV. Exclusion of Liability The furniture mover is exempt from liability if the loss, damage, or delay in delivery is due to an unavoidable event that the furniture mover could not avoid even with the utmost care, and whose consequences he could not avert. V. Specific Exclusions of Liability (1) The furniture mover is exempt from liability to the extent that the loss or damage is attributable to one of the following risks: 1. Transport and storage of precious metals, jewelry, precious stones, money, stamps, coins, securities, or documents; 2. Insufficient packaging or labeling by the sender; 3. Handling, loading, or unloading of the goods by the sender; 4. Transport and storage of goods not packed by the furniture mover in containers; 5. Loading or unloading of goods whose size or weight is incompatible with the spatial conditions at the loading or unloading point, provided that the furniture mover has previously informed the sender of the risk of damage and the sender has insisted on the performance of the service; 6. Transport and storage of live animals or plants; 7. The natural or defective condition of the goods, which makes them particularly susceptible to damage, especially breakage, malfunction, rust, internal spoilage, or leakage. If damage occurs that, according to the circumstances of the case, could have arisen from one of the risks described in points 1 to 7, it is presumed that the damage arose from that risk. The furniture removal company may only invoke the specific exclusions of liability if it has taken all measures incumbent upon it under the circumstances and has complied with any special instructions. (2) The warehouse operator is not liable for damage caused by nuclear energy or to radioactive materials. VI. Scope of Liability Exemptions and Limitations (1) The liability exemptions and limitations also apply to claims arising from non-contractual liability for loss of or damage to the goods or for exceeding the delivery deadline, provided the furniture mover did not act intentionally or recklessly and with the knowledge that damage was likely to occur. (2) The aforementioned liability exemptions and limitations also apply to the furniture mover's personnel. VII. Subcontractor If the furniture mover engages another subcontractor for the move, the subcontractor is liable in the same way as the originally engaged furniture mover as long as the goods are in its custody. The subcontractor may raise all defenses arising from the contract of carriage. VIII. Transport and Storage Insurance It is possible to insure the goods beyond the statutory liability. At the customer's request and upon payment of a separate premium, the furniture mover will take out transport or storage insurance. IX. Notice of Damage: The following important special provisions apply to the assertion of claims for damages: (1) Externally visible damage to or loss of the goods should be precisely recorded on the delivery receipt or a damage report upon delivery. Such damage or loss must be reported to the furniture removal company in detail in writing (email, letter, fax) no later than the following day. (2) Damage and loss that is not externally visible must be reported to the furniture removal company in detail in writing within 14 days of delivery. (3) If damage and loss are not reported within the aforementioned deadlines, the claims for compensation expire. (4) Exceeding the delivery deadline must be reported in writing within 21 days of delivery. Otherwise, the claim expires after this deadline. (5) To meet the deadlines, it is sufficient to send a detailed written notification to the commissioned or delivering furniture removal company in a timely manner, clearly identifying the sender.