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Frequently Asked Questions

What Do you need to get a quote

Depends on what type of quote you are looking for. When we call you, or when you call us we will discuss everything with you. But as a general guide below are a few examples or what is needed.

All types Require: Name, Address, Date of Birth, Phone, Email, Coverage desired, years in business, Fein/Ein/SSC

Business Auto: All Driver Info (Name, DOB, License # & State, Years’ Experience), All vehicle info (Year, Make, Model, Vin’s, GVW, Value, Radius), Past five years of loss runs

Personal Auto: All Driver Info (Name, DOB, License # & State), All vehicle info (Year, Make, Model, Vin’s, Value), Proof of prior coverage

Homeowners/Renters: Year house was built, Sq Footage, How many rooms, When renovations have been done, How far from fire hydrant/ fire house

General Liability: Type of work being done, type of company (ie. Sole proprietor, partnership, llc, corp, etc.), years in business, years in trade

Workers’ Compensation: Need employee info (name, address, phone), W2/I9, payroll, annual sales

What carriers do we represent?

We write business with a wide variety of insurance carriers that are all A.M. Best A or A+ rated carriers.

How long does it take to get a certificate of insurance?

Almost immediately between 9-2, after 2 usually within an hour or the following morning. There are a multiple ways to submit a certificate request. You can do so on the website, you can call it in 215-322-4446, fax 215-322-4004, or you can email amy@aissvcs.com or beth@aissvcs.com and she will be more than happy to assist you.

website, you can call it in 215-322-4446, fax 215-322-4004, or you can email beth@aissvcs.com and she will be more than happy to assist you.

How do you register with the FMCSA to get your MC #?

Go to their website and apply online, or download the form and mail it in


How do you update your address with the FMSCA?

or address change you do it online you go to this website:


Then just enter your MC # and your pin and you should be able to update your information. Or if you need further help you can try calling the FMSCA directly : 1-800-832-5600 or their is a form you can fill out and submit

How do you reinstate an inactive authority with the FMSCA?

What Is General Liability & Workers Compensation?

Usually this is insurance taken out by a business to protect against the risk of being sued – or held liable – for damage or injury that occur while they’re conducting their business

General Liability- Coverage for an insured when negligent acts and/or omissions result in bodily injury and/or property damage on the premises of a business, when someone is injured as the result of using the product manufactured or distributed by a business, or when someone is injured in the general operation of a business.

Workers Compensation- statutes that in general establish liability of an employer for injuries or sicknesses that arise out of and in the course of employment. The liability is created without regard to the fault or negligence of the employer. Benefits generally include hospital and other medical payments and compensation for loss of income. If the injury is covered by the statute, compensation thereunder will be the employee’s only remedy against his employer.

What is an Additional Insured vs. Loss Payee

Additional Insured: People or companies can be listed as additional insureds on liability or property policies in which they have a financial interest or a liability risk. A loss payee, on the other hand, typically does not have a liability risk but does have a financial interest.

Loss Payee: An example of a loss payee is a lien holder on equipment.

Homeowners? What is it? What does it Cover?

When you purchased your home, you were required to purchase homeowners insurance in order to receive financing. Understanding this coverage will help you make the most of your policy if you should ever need to make a claim. Homeowners insurance policies are labeled based on how much coverage they offer. The three types of homeowners insurance policies are HO-1, HO-2 and HO-3. HO-1 and HO-2 policies are the more affordable options, but they only insure the property, not the individual’s belongings, and they carry many exclusions. Most policies are HO-3 policies because they cover both the house and the belongings it contains.

Property Protection

• HO-3 polices are divided into two basic parts: property protection and liability protection. Property protection covers four main items. First, it covers the dwelling itself, which includes your house and any attached structures. Other structures on the property, such as a storage shed, are also covered. Your personal property is another part of this coverage. Some policies will reimburse the actual value of the property, while others will provide the replacement cost if property is damaged, regardless of any depreciation. Some policies will also cover the loss of very valuable items, like jewelry, even if there was no catastrophic event. Finally, if your home is damaged and you cannot live there while it is repaired, your living expenses will be covered under property protection.

Types of Damage Covered

• The property portion of the homeowners insurance policy will cover damage caused by storms, ice, snow, fire, theft and vandalism. Damage caused by pipes that burst or other accidental malfunctions within the home are usually covered, provided there is no sign of neglect on the part of the homeowner. Homeowners insurance policies often have a deductible that the homeowner has to pay before coverage is available. Typical policies do not cover damage caused by floods, hurricanes and earthquakes. Homeowners who live in areas at risk for these types of damage can add these coverage options for an additional cost.

Liability Protection

• The second part of the policy, the liability portion, covers you against claims made by others who are injured on your property. For example, if you are having a party and one of your guests is injured while at your home, the medical bills that the guest has will be covered by your homeowners insurance policy. However, if you neglect your property and someone is injured as a result of your negligence, you will be liable for those injuries.

Filing a Claim

• If you suffer a loss that is covered under your insurance policy, you will need to file a claim to receive your money. Your insurance company will then send an adjuster to confirm that the value you stated on the claim is accurate. Having pictures or other records to prove the value of your belongings will help you receive all that you are owed. Once the value of the damaged property has been assessed, you will be offered a settlement amount. You can negotiate this if you feel that it is not sufficient to cover your losses.

Hold Harmless Agreement vs. Waiver of Subrogation

“Hold harmless” is a legal term sometimes inserted into an agreement which asserts that one party will not try to sue or blame the other for liability rising from a third party. The purpose of a “hold harmless” agreement is not to shield a party from all liability, especially not from its own actions in claims brought by the other party. Instead, the hold-harmless provision prevents one party from suing the other in response to a claim by an outside party. For example, Sue O’s Moving Company leases her warehouse space from Sandy Q. Property Management and the lease agreement between Sue O’s Moving Company and Sandy Q. Property Management includes a hold harmless agreement. Marilyn G. is a shipper looking for a quote on her move from Roseville to Napa and stops by Sue O’s Moving Company to arrange an estimate. Marilyn trips and falls in the office of Sue O’s Moving Company and files a claim against Sue’s insurance policy with Mover’s Choice. Since there is a hold harmless agreement in the lease between Sue O’s Moving and Sandy Q Property Management, Sue O’s Moving Company cannot hold Sandy Q. Property Management liable unless Sandy Q. is grossly negligent or intentionally fails to perform according to the terms of the lease agreement. The hold harmless is part of the contact drawn between the leasee and lessor and the wording is not made part of the Mover’s Choice policy.

A waiver of subrogation is more often used in insurance contracts but may also be used in business agreements. The definition of subrogation is the right to pursue someone else’s claim. A waiver of subrogation is an endorsement to the insurance policy that requires one party on the contract to waive their right to sue for and recover damages from the other party. Since the first party’s right to recover from another party was waived, then the first party’s insurer’s right to recover damages from the other party may also be waived, even if the insurer pays the loss. For example, Casey’s Moving & Storage is hired to do an office move in Rita G. Towers in downtown San Francisco. Rita G. was supposed to have placed rubber mats on the floors but failed to do so. One of the employees of Casey’s Moving & Storage slips and falls on the slippery floor and files a Workers Comp claim under the policy for Casey’s Moving & Storage. If Casey’s Workers Comp provider had issued waiver of subrogation to Rita G. Towers, then Casey’s policy will be responsible for the claim and cannot subrogate against Rita G. Towers even though they hold some responsibility for the accident by failing to lay out the rubber mats. If no waiver of subrogation was issued to Rita G. Towers, then the Workers Comp carrier for Casey’s Moving Systems will settle the claim and subrogate against the insurance carrier for Rita G. Towers to recover damages.

Mover’s Choice will not authorize use of a hold harmless agreement because it is not a file and approved policy form. Mover’s Choice typically handles requests for a hold harmless agreement by issuing a standard additional insured endorsements or the blanket additional insured endorsement with a waiver of subrogation to meet the appropriate transfer of liability.