Is ShipInsure Shipping Protection Insurance? What Its Terms Say (2026)
ShipInsure's homepage and its terms describe the product in different words. Here they are side by side, with what each means for you.
Back to the resource centerKey takeaways
- ShipInsure's terms (last updated July 10, 2026) say the product is "not insurance sold to you by ShipInsure."
- Its homepage, written for merchants, uses "Order Insurance" and "insurance widget."
- The terms say the merchant controls how the offer is presented and "the language shown to shoppers."
- The terms provide for binding individual arbitration and a class action waiver, with a 30-day opt-out from arbitration.
- One lawsuit, Carlos v. ShipInsure, was dismissed by the plaintiff with no ruling on the merits.
What does ShipInsure say about its product?
ShipInsure, Inc. operates at shipinsure.io. These are its own words, as of October 2026.
Its homepage describes…
“Order Insurance” (section heading)— shipinsure.io
“ShipInsure starts by offering a seamless protection option to your customers during the checkout process. The insurance widget is fully integrated and branded to match your company's style, providing a cohesive and trustworthy experience.”— shipinsure.io
“ShipInsure pays for reorders, and allows for merchant set rev share”— shipinsure.io
Its terms state…
“Shipping Protection is a service benefit that may provide a remedy if a covered shipment experiences certain covered events during transit or after delivery as described below.”— ShipInsure, Inc. Terms & Conditions of Use, "Last Updated: 07/10/2026," shipinsure.io/terms
“Shipping Protection is not insurance sold to you by ShipInsure. Any insurance-related arrangements, if any, are solely between ShipInsure and its third-party counterparties, and you are not an insured or additional insured under any policy unless expressly stated in writing.”— shipinsure.io/terms
“The Merchant controls (among other things) how the Shipping Protection offer is presented at checkout, the language shown to shoppers, product eligibility, and the items sold.”— shipinsure.io/terms
What this means for you as a shopper
The homepage speaks to merchants and uses insurance words. The terms, which govern your purchase, describe a "service benefit" and say it is not insurance sold to you by ShipInsure. The terms leave open whether ShipInsure has any insurance of its own ("if any"), and they say any such arrangement is between ShipInsure and third parties, not you.
The terms also say the merchant controls "the language shown to shoppers." So the words you see at checkout are set by the store. If they say "insurance," it is reasonable to ask the store or ShipInsure which insurer and policy stand behind it, and whether you are an insured.
Who is insured and who pays claims?
| Question | What ShipInsure's materials say | Source |
|---|---|---|
| Is it insurance sold to you? | "Shipping Protection is not insurance sold to you by ShipInsure." | Terms |
| Are you an insured? | "you are not an insured or additional insured under any policy unless expressly stated in writing." | Terms |
| Is there an insurance policy behind it? | "Any insurance-related arrangements, if any, are solely between ShipInsure and its third-party counterparties." | Terms |
| Is an insurer or license named? | We did not find an insurer, policy or license number on ShipInsure's website as of October 2026. | Homepage, Terms |
| Who pays for reorders? | "ShipInsure pays for reorders, and allows for merchant set rev share" | Homepage |
| Who controls checkout wording? | "The Merchant controls … the language shown to shoppers" | Terms |
| How are disputes resolved? | "binding individual arbitration and not in court"; claims only "IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS"; you may opt out of arbitration by email within 30 days of first accepting the terms | Terms |
Is ShipInsure's shipping protection regulated as insurance?
Whether a product is insurance is decided by state law and regulators, based on what it does, not its name. The word "insure" in a brand name does not make a product insurance, and a "not insurance" clause does not settle the question either. 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 a state would treat ShipInsure's product is for regulators or courts. We are not making that determination.
State regulators' general alerts, which name no company, tell shoppers to look at who is behind the offer:
“Legitimate shipping insurance providers will be licensed companies or producers.”— Oklahoma Insurance Commissioner Glen Mulready, November 28, 2023, oid.ok.gov
“carefully review the shipping protection options and who is offering them.”— Connecticut Insurance Department alert, December 9, 2024, portal.ct.gov
Our 10 questions to ask any provider turn that advice into a checklist. This is general information, not legal advice.
What lawsuits involve ShipInsure?
Carlos v. ShipInsure, Inc.
Allegation N.D. Cal. No. 3:26-cv-01071, filed February 4, 2026. We have not read the complaint, so we do not describe its allegations.
Status: Dismissed by the plaintiff without prejudice on February 26, 2026, with no ruling on the merits. The case was closed February 27, 2026. Docket
How is InsureShip different?
The names are similar, but the companies are separate. InsureShip is an insurance program:
- 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 ShipInsure shipping protection insurance?
ShipInsure's terms say "Shipping Protection is not insurance sold to you by ShipInsure," and that you are not an insured under any policy unless stated in writing (as of October 2026). Its homepage, aimed at merchants, uses "Order Insurance" and "insurance widget."
Are ShipInsure and InsureShip the same company?
No. They are separate companies with similar names. InsureShip is licensed by the California Department of Insurance (#0G55434) and in all 50 states.
Why does the checkout say "insurance" if the terms say it is not?
ShipInsure's terms say the merchant controls "the language shown to shoppers." Ask the store or ShipInsure which insurer, if any, stands behind the product and whether you are an insured.
Can I take a dispute with ShipInsure to court?
ShipInsure's terms, updated July 10, 2026, say most disputes go to binding individual arbitration and include a class action waiver. The terms also let you opt out of arbitration by email within 30 days of first accepting them. Whether that clause applies in a given case is a legal question. This is general information, not legal advice.
Has ShipInsure been sued?
Carlos v. ShipInsure, Inc. (N.D. Cal.) was filed in February 2026 and dismissed by the plaintiff later that month, with no ruling on the merits.
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. ShipInsure homepage · ShipInsure, Inc. Terms & Conditions of Use · Carlos v. ShipInsure docket · Oklahoma Insurance Department alert · Connecticut Insurance Department alert · Cal. Ins. Code § 22 · The Hartford: Navigators fact sheet (Apr 2025)
If you represent ShipInsure 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