Liability questions for new mover owners - saw this in Moving Professionals FB group

Hey all, I'm a couple years into running my own small moving crew, mostly local hauls with a 26ft box truck, and I just came across this post in the Moving Professionals Facebook group where a guy hit 100k revenue this year and he's asking for tips on scaling up without relying on Thumbtack leads. Made me think about my own setup, especially liability stuff since we're in the Carolinas and old houses here mean more chances for dings on antique furniture or tight stairwells. Our contracts have a basic waiver for customer-packed boxes but nothing super detailed on crew injuries or if a client's dog bites one of us. How do you guys structure your agreements to cover that without scaring off residential jobs? Anyone dealt with a claim from a dropped piano or something? I don't want to get sued over a $500 move turning into a nightmare. Also, do you add clauses for acts of god like that storm season we get down here?

Insurance companies are screwing us on premiums now, especially after all the claims from idiots who don't secure loads right. That FB post sounds spot on - Thumbtack leads are poison for liability.

I've been there with the dog bites and scratched heirlooms. Felt that pain after a crew member twisted his ankle on a client's uneven garage floor last summer.

This is why I tell my guys to always photo everything before and after, but yeah, the Carolinas humidity warps wood too, adds to the risk.

Private equity rolling up small outfits means more pressure on us independents to get liability tight or get bought out cheap.

Sorry to hear about your setup, brother. We use simple addendums for high-value items that cover us if they insist on DIY packing. Hang in there.