Orison Movers & Packers – Insurance & Liability Policy:

This Insurance & Liability Policy is provided for informational purposes to explain how risk, responsibility, and optional third-party insurance may work during packing, loading, unloading, transportation, and relocation services. Orison Movers & Packers is a moving and logistics service provider and is NOT an insurance company. Whenever insurance is requested, it is arranged through an independent third-party insurance provider, and all coverage, limits, exclusions, deductibles, timelines, and claim processes are governed by that insurer’s official policy terms. Clients are responsible for reading and accepting the insurer’s terms before movement begins.

1) Scope of Services Covered by This Policy Statement

Orison Movers & Packers provides professional services including (a) packing and wrapping, (b) labeling and inventory support, (c) loading and unloading, (d) domestic transportation across Pakistan (major cities and routes), (e) vehicle transportation (car carrier/containerized vehicle movement), (f) office and industrial relocations, and (g) international logistics support via partners where applicable. This policy statement applies to all such services unless otherwise stated in a written quotation or contract.

2) Professional Handling Commitment:

Our packers, loaders, supervisors, and drivers are trained and experienced. We use standard industry practices, such as proper selection of packing materials, carton labeling, basic item grouping, safe lifting methods, and careful vehicle loading, to reduce risk. Despite high professional care, moving and transportation are physical activities and involve handling, lifting, stacking, and travelling on public roads. Therefore, accidental incidents may occur even with professional handling.

3) Company Liability – General Exemption for Accidental Damages

To the maximum extent permitted by law and unless explicitly agreed in writing, Orison Movers & Packers is exempt from liability for accidental loss or damage occurring during:

• Packing activities (wrapping, boxing, sealing, labelling)

• Loading and unloading (lifting, shifting, stair handling, elevator handling)

• Transportation (road conditions, sudden braking, accidents, mechanical issues)

• Placement at destination (repositioning, unpacking support if provided)

If an accidental loss/damage occurs, it is intended to be handled through the client’s chosen insurance option (if purchased). If the client does not purchase insurance, responsibility for accidental loss/damage remains with the client as explained in Section 6.

4) Third Party Insurance Only (We Facilitate—Insurer Covers):

Orison Movers & Packers does not issue insurance policies. We may assist the client in arranging third-party insurance for eligible consignments. The insurer’s terms prevail. The client must provide accurate item details, declared values, pickup and delivery information, and movement dates to obtain a valid policy. Any inaccurate declarations may void coverage under the insurer’s rules.

5) Types of Insurance Commonly Used

A) Transit Insurance (Most Common)

Transit insurance generally covers eligible goods only during the transportation period from origin to destination (including standard loading/unloading, if the insurer includes it). Coverage is subject to insurer conditions, exclusions, and proof requirements.

B) Comprehensive / Extended Coverage (If Offered)

Some insurers may offer broader coverage, subject to stricter requirements and a higher premium. Availability depends on item type, declared value, route, and insurer underwriting.

Important: Coverage is never automatic. It is valid only after the premium is paid and the insurer issues a policy/cover note before movement starts.

6) Client Responsibility When Insurance Is Not Purchased:

If the client chooses to move without insurance:

• The client accepts full responsibility for any accidental loss or damage during packing, loading, transit, unloading, or placement.

• Orison Movers & Packers will not be liable for compensation for accidental loss/damage.

• The client acknowledges that moving risks exist and chooses to proceed without insurance protection.

7) Exclusions – Fragile, Glass & Certain Damages:

Most insurers worldwide commonly exclude fragile items, glass items, and breakage by vibration/pressure. Therefore:

• Glassware, mirrors, crystals, glass frames, and similar fragile items are typically not covered.

• Cosmetic scratches, minor dents, or normal wear may be excluded depending on the insurer’s terms.

• “Damage insurance” for fragile breakage is generally not offered; coverage is usually limited to transit-related insured events.

This is why clients with fragile goods should request special packing and understand that insurance may still exclude fragile breakage.

8) Transit Insurance vs. “Damage Insurance” Clarification:

Clients must understand that insurance is generally “transit insurance” (risk during movement). It is not a guarantee against every type of damage. The insurer decides what is covered (e.g., major accidents, fire) and what is excluded (e.g., fragile glass breakage, poor packing by others, preexisting damage).

9) Insurance Must Be Finalized BEFORE Packing/Movement.

Insurance must be finalized before packing/loading begins. If insurance is not confirmed before movement:

• The shipment will proceed without insurance, or

• The movement may be rescheduled, depending on the client’s choice.

If insurance is not finalized before movement, any later request will not apply retroactively. In such cases, total responsibility remains with the client.

10) Liability for Preexisting Damage & Weak/Old Items

Orison Movers & Packers is not responsible for:

• Preexisting cracks, scratches, loose joints, termite damage, rust, or weak furniture structure

• Items already damaged before packing or pickup

Clients should inform our supervisor about fragile/weak items. Photos may be taken for the record. If required, special packing can be offered at additional cost.

11) Vehicle Transportation (Car Carrier / Containerised) – Client Responsibilities

For vehicle movement (cars/motorcycles):

• The client must remove valuables from the vehicle.

• The client should provide correct vehicle condition details and fuel level as required.

• Transit insurance for vehicles may be arranged through a third-party insurer if requested.

• Door-to-door delivery is provided based on route feasibility and access. Where access is limited, the nearest safe point may be used.

• Orison Movers & Packers is not responsible for preexisting mechanical faults or internal vehicle issues not caused by insured transit events.

12) Worker Safety & Medical Responsibility – Important Legal Clause

Our team follows safety guidelines; however, moving work involves lifting and navigating stairs, elevators, narrow passages, and high-rise buildings. If an accident occurs during on-site operations, the following applies:

• If a worker is injured due to site conditions under the client’s control (unsafe stairs, slippery floors, blocked passages, damaged elevators, inadequate lighting, unsecured wiring, or any hazardous environment), the medical responsibility will be on the client.

• If the client requires additional protection, the client should arrange suitable insurance coverage or a written agreement before work begins.

Note: This clause is intended to clarify risk responsibility on the client site. If local law requires a different allocation of responsibility, the applicable law will prevail. Clients are encouraged to ensure safe working conditions at pickup and delivery locations.

13) High-Rise/Stair Carrying Services

In Karachi and other major cities, high-rise buildings may require stair carrying if elevators are unavailable or restricted. Our team can move items via stairs with care, but the client must:

• Inform us in advance about the floor number, lift availability, and access restrictions.

• Ensure staircases are clear, well lit, and safe.

Any injury or incident arising from unsafe access conditions is the client’s responsibility, as described above.

14) Claims Process (When Insurance Is Purchased)

If insurance is purchased, claims must be filed in accordance with the insurer’s procedures. Typically, the client must:

• Notify Orison Movers & Packers and the insurer immediately upon discovery.

• Provide photos/videos, packing lists/inventory, delivery notes, and other required documents.

• Keep damaged items for inspection until the insurer confirms.

Final claim approval, settlement amount, and timeline are decided by the insurer, not by Orison Movers & Packers.

15) Acceptance of Terms:

By confirming the booking, paying the advance, or allowing our team to start packing/loading, the client confirms acceptance of this Insurance & Liability Policy statement and the insurer’s terms (if insurance is purchased). Any special responsibility terms must be agreed upon in writing before work begins.

Frequently Asked Questions (FAQs):

Q1: Do you provide insurance directly?

A: No. We arrange third-party insurance if requested. The insurer issues the policy and defines all terms.

Q2: Is glass/fragile breakage covered?

A: Usually not. Most insurers worldwide exclude fragile glass items. Coverage is typically transit-event-based.

Q3: What if I don’t buy insurance?

A: If you move without insurance, responsibility for accidental loss/damage remains with the client.

Q4: When should insurance be finalized?

A: Before packing/loading starts. Insurance cannot be applied after movement begins.

Q5: What about worker injury on my site?

A: If injury occurs due to site conditions or during handling at client premises, medical responsibility is on the client as stated above (subject to applicable law).

We Are Here For Our Valuable Clients!!

We, Orison Movers & Packers (Pvt) Limited, Pakistan, move almost everywhere in the country. Our extensive variety of services offers extra discounts and benefits that help us to properly facilitate our clients.

For further information regarding our Domestic Relocation Services

Call our 24×7 Customer Care Centre. 0345-2466509