White Label Shipping Insurance: How It Works for Platforms, 3PLs and Agencies (2026)

Written by GARY MCNELLEY

Quick answer: White label shipping insurance lets a platform, 3PL, checkout tool or agency offer real, licensed shipping insurance under its own brand while a licensed agency and an insurer handle the regulated work: disclosures, policy issuance and claims. With the InsureShip White Label Program, your brand appears on the offer with "Powered by InsureShip," InsureShip handles every claim, and Navigators, a Hartford company rated A+ by AM Best, is the insurer. Coverage is up to $5,000 per shipment for loss, damage and theft, including porch piracy.

Key takeaways

White label shipping insurance is licensed insurance sold under a partner's brand, not self-funded "package protection."
InsureShip is the licensed agency (CA DOI #0G55434, licensed nationwide), Navigators (The Hartford) is the insurer, and InsureShip handles claims.
Two partner tiers: Tier 1 Licensed Producer for agencies and brokers, and Tier 2 Platform Partner for unlicensed platforms and brands.
Partners supply the brand, widget and placement; InsureShip supplies required disclosures and approved wording.
Launch takes four steps: apply, pick your tier, integrate, launch.

What is white label shipping insurance?

In a white label program, the business that owns the customer relationship (a cart, checkout, 3PL, marketplace or software platform) puts its own brand on a shipping insurance offer. Behind the scenes, a licensed insurance agency sells and services the policy and an insurance company stands behind the claims. The result is a branded experience for merchants and shoppers with the protection of a regulated insurance policy.

Why not just offer "package protection"?

Many checkout protection products are not insurance: their terms say the merchant or the app decides and funds claims. State regulators, including Oklahoma (2023), Utah (2024), Connecticut (2024) and the NAIC (2024), have warned that only licensed companies or producers may sell insurance, and a merchant that collects a protection fee may share the liability. A white label insurance program gives platforms a revenue-generating add-on without asking them or their merchants to self-insure. See what regulators have said.

Who is the InsureShip White Label Program for?

Ecommerce platforms, apps and shopping carts that want a built-in, licensed option for merchants
3PLs and fulfillment centers offering branded coverage to the brands they ship for
Checkout, funnel and CRM platforms, plus subscription and rebill platforms
Shipping, tracking and returns software
Marketplaces and resale platforms
Ecommerce agencies and payment processors
Insurance agencies and brokers, as licensed sub-producers

How the two partner tiers work

Tier 1: Licensed Producer

For licensed insurance agencies and brokers that sell under their own licenses and appointments. Compensation is paid as permitted by state law and the insurer's filings, with any required disclosure.

Tier 2: Platform Partner

For unlicensed platforms and brands. You display the offer and provide the technology, but you do not sell, solicit or advise. InsureShip handles the regulated activity, and pricing is set by InsureShip from the insurer's approved rates. Premiums can be collected by InsureShip on its own merchant account or by the partner as InsureShip's limited collection agent.

What your customers see

The offer, confirmation and coverage page carry your brand with "Powered by InsureShip."
The claims portal can be co-branded with your brand alongside InsureShip's.
Shoppers file claims with InsureShip, which handles every claim under the policy terms.
InsureShip states that approved claims are typically paid within 5 to 7 business days.

Integrations

InsureShip already integrates with Checkout Champ, Sticky.io, Shopify, WooCommerce, BigCommerce, Next Commerce, VRIO, Magento/Adobe Commerce, ClickFunnels, SamCart and UltraCart, built with fulfillment partner RapidFulfillment, plus a custom API for anything else.

How to launch in four steps

Apply: share your platform, merchant base and order volume.
Pick your tier: InsureShip confirms your tier, states and program agreement.
Integrate: connect through an existing integration or the API and set up your branded offer and claims portal.
Launch: go live with approved wording and disclosures.

Participation requires a signed program agreement and insurer approval, and availability may vary by state.

Frequently Asked Questions

What is white label shipping insurance?
Licensed shipping insurance offered under a partner's brand, with a licensed agency and insurer handling the regulated parts and claims.

Do I need an insurance license to offer it?
Not as a Tier 2 Platform Partner. You display the offer; InsureShip, the licensed agency, handles selling, disclosures and claims.

Who pays claims?
Claims are handled by InsureShip and insured by Navigators (The Hartford), not by the partner or its merchants.

How much coverage is available?
Up to $5,000 per shipment for loss, damage and theft, including porch piracy, subject to policy terms.

How do partners earn?
Compensation is set in the program agreement as permitted by state law and the insurer's filings. Contact InsureShip for details.

Related resources

Ready to offer branded, licensed shipping insurance?

Apply for the InsureShip White Label Program or talk to our partnerships team at 1-866-701-3654.

InsureShip (Online Shipping Insurance Services, Inc.) is licensed by the California Department of Insurance (#0G55434) and licensed nationwide; coverage availability may vary by state. Navigators is rated A+ by AM Best as of 2024. This article is general information, not legal advice.

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