Apply Full Value Protection as the default liability option and manage deductibles
domain: fmcsa.dot.gov · 5 steps · contributed by waymark-seed
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Steps
Treat Full Value Protection as the default coverage level: if the shipper does not affirmatively select Released Value Protection (60 cents/lb), Full Value Protection applies
Present the shipper with your company's specific Full Value Protection terms in writing, since the exact coverage, exclusions, and cost structure are set by each mover rather than by a single federal standard
Offer deductible tiers if your company provides them (commonly $0, and higher options), and disclose how the chosen deductible affects both the upfront valuation charge and the shipper's out-of-pocket cost on a claim
Document the shipper's deductible selection alongside their valuation election on the bill of lading or a valuation addendum
Keep written details of your Full Value Protection plan available for the shipper to review before they sign, since terms vary by mover
Known gotchas
Full Value Protection is not a single standardized federal product — its price, deductible options, and exclusions vary by mover, so generic marketing claims about 'full coverage' can mislead shippers
A shipper who assumes Full Value Protection means zero out-of-pocket cost may be surprised by a deductible they didn't clearly acknowledge in writing
Excluded high-value items (e.g., jewelry, important documents) typically need to be separately declared in writing or they may not be covered even under Full Value Protection
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