Is Navidium Shipping Protection Insurance? What Its Terms Say (2026)
What Navidium's own website says about who keeps the fee, who decides claims, and who is promising to make your order right.
Back to the resource centerKey takeaways
- Navidium answers its own FAQ question "Is Navidium App an Insurance Company?" with "No, we are not."
- The promise to reship or refund comes from the merchant, not from Navidium or an insurer, per Navidium's description.
- Navidium tells merchants to "Keep 100% of Protection Fees" and says "You decide when to approve or deny claims."
- We did not find an insurer, policy or license named on Navidium's website as of October 2026, which is consistent with its statement that it is not insurance.
- A 2026 consumer case naming Navidium App is open, but service is not complete and the allegations are not public to us.
What does Navidium say about its product?
These are Navidium's own words, from its product page at navidiumapp.com, as of October 2026. (Use navidiumapp.com. We do not link any other domain for Navidium.)
“Is Navidium App an Insurance Company? No, we are not. We are a software company that allows ecommerce stores and merchants to charge a small fee from their customers and provide a guarantee to their customers that they (the merchant) will either reship, or refund any lost, damaged, or stolen deliveries that don't make it to the customer.”— Navidium FAQ, navidiumapp.com
“You collect the fees and keep it, and you can use those premiums/fees to offset the cost of the claims as needed. Anything left over is your profit.”— Navidium FAQ (addressed to merchants), navidiumapp.com
“Keep 100% of Protection Fees” … “You decide when to approve or deny claims, and control the outcome and customer journey.”— Navidium features list, navidiumapp.com
“We don't communicate with your customers at any time.”— Navidium FAQ, navidiumapp.com
Navidium also says how it earns money: "We charge a monthly set fee for the technology and app on a sliding scale based on your order volume."
What this means for you as a shopper
Navidium's model is a merchant guarantee. The store sets the fee, keeps it, and decides whether to reship or refund. Navidium says it does not talk to shoppers. So if your package goes missing, you deal with the store, under the store's own policy. Before you pay the fee, it is fair to ask the store what its guarantee covers and how it decides claims.
Who is insured and who pays claims?
| Question | What Navidium's materials say | Source |
|---|---|---|
| Is Navidium an insurance company? | "No, we are not. We are a software company…" | FAQ |
| Who promises to fix a lost or damaged order? | "they (the merchant) will either reship, or refund" | FAQ |
| Who keeps the protection fee? | The merchant: "You collect the fees and keep it." | FAQ |
| Who decides claims? | The merchant: "You decide when to approve or deny claims." | Features |
| Who pays claims? | The merchant, who can "use those premiums/fees to offset the cost of the claims." | FAQ |
| Is an insurer or policy named? | We did not find an insurer, policy or license named on Navidium's website as of October 2026. | Product page |
| Does Navidium talk to shoppers? | "We don't communicate with your customers at any time." | FAQ |
Is a merchant guarantee regulated as insurance?
It depends on state law. Regulators decide whether a product is insurance based on what it does, not its label. California defines insurance as "a contract whereby one undertakes to indemnify another against loss, damage, or liability arising from a contingent or unknown event" (Cal. Ins. Code § 22). How any state would treat a particular merchant guarantee is for that state's regulator or a court. We are not making that determination for Navidium or for any store that uses it.
State regulators have issued general consumer alerts about shipping protection. They name no company:
“Legitimate shipping coverage providers will be licensed as insurance companies or insurance agents.”— Utah Insurance Department consumer alert, March 20, 2024, insurance.utah.gov
“carefully review the shipping protection options and who is offering them.”— Connecticut Insurance Department alert, December 9, 2024, portal.ct.gov
The NAIC slide. An undated presentation posted on the NAIC website with committee meeting materials, "Package Protection Offerings - Insurance Regulatory Issues," which carries no author name, lists Navidium's website among several under a heading "Websites to Review." That is a presentation slide. It is not an enforcement action, a finding, or an NAIC position.
A 2023 court ruling. In Route App, Inc. v. Heuberger (D. Utah), the court dismissed Navidium App as a defendant for lack of personal jurisdiction on August 18, 2023. In the same order, it let Route's false-advertising claim proceed against the remaining defendant at the pleading stage. It held that alleged statements about whether shipping protection can lawfully be sold without insurance licenses "are straightforwardly factual assertions the veracity of which may be determined." The court did not decide that any statement was false, and did not rule on whether Navidium's model is lawful.
To compare any provider, use our 10 questions to ask. This is general information, not legal advice.
What lawsuits involve Navidium?
Everything below is an allegation unless a court has ruled.
Duskey & Kuhlman v. Navidium App and Marc Heuberger
Allegation E.D.N.Y. No. 1:26-cv-01351, filed March 9, 2026. We have not read the complaint, so we cannot describe its allegations. The court's orders so far deal with service: it allowed subpoenas to a domain registrar "to identify the registrant" (April 22, 2026), and granted leave to add Heuberger with service "through Israel's Central Authority under the Hague Convention" (August 19, 2026).
Status: Open. Service not complete as of the docket's last retrieval (August 28, 2026). No merits rulings. Docket
Route App, Inc. v. Heuberger et al.
Allegation D. Utah No. 2:22-cv-00291, filed April 28, 2022 by Route, a competitor. Navidium App was dismissed for lack of personal jurisdiction in August 2023. Claims against Heuberger continued. On May 27, 2025, the court denied a motion to enforce a settlement and ordered a settlement conference.
Status: We have not found the final outcome. Docket
How is InsureShip different?
InsureShip is an insurance program, so its structure is different from a merchant guarantee:
- Licensed by the California Department of Insurance, license #0G55434, and licensed in all 50 states.
- Established in 2012. Underwritten by Navigators, a Hartford company, rated A+ by AM Best (Navigators Insurance Company, as of 2024); see The Hartford's Navigators fact sheet.
- Coverage up to $5,000 per shipment for loss, damage and theft, including porch piracy.
- Claims are filed online at /pages/file-claim and handled by InsureShip.
- Pricing averages about $1 per order but is not fixed. See pricing.
Frequently Asked Questions
Is Navidium shipping protection insurance?
Navidium says it is not an insurance company. It describes itself as software that lets merchants charge a fee and guarantee that "they (the merchant) will either reship, or refund" lost, damaged or stolen orders (as of October 2026).
Who handles my claim if I paid a Navidium fee?
The store. Navidium says merchants "decide when to approve or deny claims" and that Navidium does not communicate with customers. Contact the store you bought from.
Where does the Navidium fee go?
To the merchant. Navidium tells merchants, "You collect the fees and keep it," and says it charges merchants "a monthly set fee for the technology and app on a sliding scale based on your order volume."
Is Navidium being sued?
A 2026 case, Duskey & Kuhlman v. Navidium App and Marc Heuberger (E.D.N.Y.), is open. Service is not complete, and we have not verified its allegations. Navidium App was dismissed from an earlier Route lawsuit for lack of personal jurisdiction.
What should I check before paying for shipping protection at checkout?
Ask who is making the promise, who decides claims, and whether a licensed insurer stands behind it. Our 10-question scorecard walks through each step.
Want licensed shipping insurance at your checkout?
InsureShip is licensed by the California Department of Insurance (#0G55434) and in all 50 states. Established in 2012 and backed by Navigators (The Hartford), rated A+ by AM Best. Talk to us about coverage for your store.
Talk to InsureShipSources
Last checked October 8, 2026. General information, not legal advice. Navidium Shipping Protection page and FAQ · Duskey v. Navidium App docket · Route v. Heuberger docket · Route v. Heuberger order (Aug. 18, 2023) · Route v. Heuberger order (May 27, 2025) · NAIC committee presentation · Utah Insurance Department alert · Connecticut Insurance Department alert · Cal. Ins. Code § 22 · The Hartford: Navigators fact sheet (Apr 2025)
If you represent Navidium and see something out of date, contact us at /pages/contact-insureship and we will review it promptly.
Written by Kyle Gibson, Compliance Auditor · Updated October 9, 2026