InsureShip vs ShipInsure
Similar names, different companies, different products. Everything you need in one place: licensing, the insurer behind the coverage, claims, which company covers your order, and how to switch.
Talk to InsureShipInsureShip vs ShipInsure at a glance
Two companies, two similar names, two different products. The InsureShip column describes our own program. The ShipInsure column quotes ShipInsure's own website, word for word, as of October 10, 2026.
| Question | InsureShip | ShipInsure (what its own materials say) |
|---|---|---|
| Company | Online Shipping Insurance Services, Inc., doing business as InsureShip | ShipInsure, Inc. |
| Is it insurance? | Yes. Shipping insurance offered by a licensed insurance agency | Its terms: “Shipping Protection is not insurance sold to you by ShipInsure.” (terms) |
| Insurance license | California Department of Insurance #0G55434; licensed in all 50 states | Not applicable under its terms, which describe Shipping Protection as a service benefit, not insurance sold to the shopper |
| Who underwrites it | Navigators, a Hartford company (Navigators Insurance Company rated A+ by AM Best as of 2024) | Its terms: “Any insurance-related arrangements, if any, are solely between ShipInsure and its third-party counterparties.” No insurer named on its website (terms) |
| Is the shopper an insured? | Yes, the shopper's shipment is insured under the policy terms | Its terms: “you are not an insured or additional insured under any policy unless expressly stated in writing.” (terms) |
| Who decides claims | Claims are filed with InsureShip and approved by the underwriters (Navigators) under the policy terms | Its terms: “We may approve or deny claims based on eligibility criteria, fraud signals, documentation, carrier data, Merchant input, and other factors.” (terms) |
| What an approved claim gets | Payment for the loss under the policy, or replacement at the insurer's option | Its terms: “Replacement (including reorder), or Refund / reimbursement, as determined by ShipInsure in coordination with the Merchant’s fulfillment/refund capabilities and policies” (terms) |
| Maximum coverage | Up to $5,000 per shipment; some categories (e.g., laptops, mobile phones, televisions, precious stones) are excluded unless endorsed | “up to $5,000 per order/shipment” (terms) |
| Theft after delivery (porch piracy) | Covered, subject to policy terms | “Delivered-not-received events (including theft after delivery where applicable)” (terms) |
| When a lost-package claim can be filed | After 20 days (domestic) or 30 days (international); all claims within 90 days of shipment | After 7 business days from the last carrier scan (14 business days international), and “no later than 30 days after the last scan/checkpoint,” unless otherwise disclosed for the order (terms) |
| Who sets the checkout wording | InsureShip provides recommended offer wording and its required disclosures; how the offer is presented at checkout remains the merchant's choice and responsibility | Its terms: “The Merchant controls (among other things) how the Shipping Protection offer is presented at checkout, the language shown to shoppers” (terms) |
| Premium and pricing | The premium is charged on InsureShip's own merchant account. Ask InsureShip what price your shoppers will see | “you have control over your pricing and revenue share” (pricing page) |
| How the merchant is paid | Advertising revenue from InsureShip, which varies with advertiser quality | “ShipInsure pays for reorders, and allows for merchant set rev share” (homepage) |
| Shopper disputes | No arbitration clause; disputes are brought in Los Angeles County, California courts | Binding individual arbitration and a class action waiver, with a 30-day email opt-out (terms) |
ShipInsure's homepage also advertises free installation, 24/7 claims support, a merchant-branded claims portal, and optional returns and guarantee products.
Claim waiting periods differ: ShipInsure's terms allow a lost-package claim sooner, while InsureShip's terms give shoppers longer overall to file (90 days from shipment). We show both so you can compare fairly.
The biggest difference: licensed insurance vs. shipping protection
InsureShip
InsureShip sells shipping insurance as a licensed insurance agency. The shopper's package is insured under a policy underwritten by Navigators, a Hartford company. Claims are filed with InsureShip at insureship.com/pages/file-claim and decided under the policy terms.
ShipInsure
“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, Inc. Terms & Conditions of Use, “Last Updated: 07/10/2026,” shipinsure.io/terms
ShipInsure's terms describe Shipping Protection as a service benefit provided by ShipInsure. InsureShip's coverage is insurance from a licensed agency, with a named insurer behind it. Read each provider's terms to see which one fits your store.
What ShipInsure's terms say, in its own words
These are quoted word for word from ShipInsure, Inc.'s Terms & Conditions of Use (last updated July 10, 2026), as checked on October 10, 2026.
“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
“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
“We may approve or deny claims based on eligibility criteria, fraud signals, documentation, carrier data, Merchant input, and other factors.”— shipinsure.io/terms
“Replacement (including reorder), or Refund / reimbursement, as determined by ShipInsure in coordination with the Merchant’s fulfillment/refund capabilities and policies”— shipinsure.io/terms
Whether a product is regulated as insurance is decided by state law and regulators, based on what it does. We are not making that determination. Our 10 questions to ask any provider can help you compare any option.
How to tell which company covers your order
| Check this | If it says InsureShip | If it says ShipInsure |
|---|---|---|
| Checkout line item | An offer or line item that names InsureShip | “ShipInsure” or the store's own label (ShipInsure's terms let the merchant choose the wording) |
| Website in your emails | insureship.com or claims.insureship.com | shipinsure.io, or the store's own branded emails and claim page (ShipInsure lets merchants brand these) |
| Where to file a claim | insureship.com/pages/file-claim | The claim link or portal ShipInsure provides for your order |
| What you bought | Shipping insurance from a licensed agency | “Shipping Protection,” which its terms say “is not insurance sold to you by ShipInsure” |
Still not sure? Look at your card or bank statement and the order confirmation email, or ask the store which company provides the protection. InsureShip can only help with InsureShip coverage, and ShipInsure handles its own claims.
Why the difference matters to you as a shopper
With InsureShip
- Your shipment is insured under a policy underwritten by Navigators, a Hartford company.
- InsureShip is licensed in all 50 states (California license #0G55434), so you can verify it with a state regulator.
- Coverage up to $5,000 per shipment for loss, damage and theft, including porch piracy.
- Our coverage terms do not include an arbitration clause; disputes are heard in Los Angeles County, California.
With ShipInsure (its own words)
“you are not an insured or additional insured under any policy unless expressly stated in writing.”— ShipInsure, Inc. Terms & Conditions of Use, “Last Updated: 07/10/2026,” shipinsure.io/terms
“Replacement (including reorder), or Refund / reimbursement, as determined by ShipInsure in coordination with the Merchant’s fulfillment/refund capabilities and policies”— shipinsure.io/terms
“These Terms include a binding arbitration agreement and a class action waiver.”— shipinsure.io/terms
Its terms also allow opting out of arbitration by email within 30 days.
What it means for merchants
Who stands behind the claim
With InsureShip, a licensed agency and a named insurer stand behind the coverage. ShipInsure's terms say ShipInsure approves or denies claims and sets the remedy (replacement or refund) “in coordination with the Merchant’s fulfillment/refund capabilities and policies.”
Disclosures
ShipInsure's terms put the merchant in control of “the language shown to shoppers.” InsureShip provides recommended offer wording and its required disclosures, including the licensed agency and insurer, so shoppers can see who stands behind the coverage.
How you are paid
Your store’s traffic has value beyond product sales. InsureShip pays qualifying merchants for advertising space that connects shoppers with shipping insurance. Interested in seeing what a partnership could look like for your store?
Our view: if you want your shoppers covered by licensed shipping insurance with a named, A+-rated insurer behind it, InsureShip is built for that. If setting your own price and revenue share is your priority, ShipInsure's materials say it offers that. Either way, read the provider's terms before you add it to your checkout.
Five questions to ask before you choose
- Is it insurance, and who is the insurer? InsureShip: yes, underwritten by Navigators, a Hartford company. ShipInsure's terms say it is “not insurance sold to you by ShipInsure.”
- Can I verify a license? InsureShip: California Department of Insurance #0G55434, licensed in all 50 states. ShipInsure's terms say its Shipping Protection is not insurance sold to you by ShipInsure.
- Who writes what my shoppers read? With either provider, you control checkout presentation. InsureShip provides recommended wording and its required disclosures.
- Who decides claims? With InsureShip, claims are filed with InsureShip and decided under an insurance policy.
- What happens to open claims? Claims for orders protected before a switch stay with the provider that covered them.
How to switch in four steps
- Check your current agreement. Review your ShipInsure merchant terms for any notice period or termination steps, and note open claims so your shoppers are looked after.
- Talk to InsureShip. Contact us for your advertising revenue rate and setup. InsureShip works with Shopify, WooCommerce, Checkout Champ, Sticky.io, BigCommerce and custom checkouts through our API.
- Install and test. Add the InsureShip offer and our approved disclosure to your checkout. We recommend a clear opt-in.
- Remove the old widget. Follow ShipInsure's own removal steps so shoppers only see one offer, then update your store's FAQ and policies to name InsureShip.
Who is InsureShip? The InsureShip name since 2009
January 2009
InsureShip has operated under the InsureShip name since January 2009. The insureship.com domain was registered on January 26, 2009, and the company has served online merchants and their shoppers under that name ever since.
Licensed in all 50 states
InsureShip is the brand of Online Shipping Insurance Services, Inc., a licensed insurance agency: California Department of Insurance license #0G55434, licensed in all 50 states. You can look up the license on the California Department of Insurance website.
A named insurer
Coverage is underwritten by Navigators, a Hartford company. Navigators Insurance Company is rated A+ by AM Best (as of 2024). Coverage runs up to $5,000 per shipment for loss, damage and theft, including porch piracy.
Frequently asked questions
Are InsureShip and ShipInsure the same company?
No. ShipInsure, Inc. (shipinsure.io) is a separate company and is not affiliated with InsureShip. InsureShip has operated under the InsureShip name since January 2009 and is a licensed insurance agency (California Department of Insurance #0G55434, licensed in all 50 states).
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 expressly stated in writing (terms last updated July 10, 2026, checked October 10, 2026).
I bought ShipInsure protection. Can InsureShip handle my claim?
No. InsureShip can only handle claims for InsureShip coverage. Use the claim link ShipInsure provides for your order, or contact the store.
How do I file an InsureShip claim?
File online at insureship.com/pages/file-claim. For lost packages, InsureShip's terms ask you to wait 20 days (domestic) or 30 days (international) after shipment, and all claims must be filed within 90 days of shipment.
Who underwrites InsureShip?
InsureShip coverage is underwritten by Navigators, a Hartford company. Navigators Insurance Company is rated A+ by AM Best (as of 2024).
How long has InsureShip been in business?
InsureShip has operated under the InsureShip name since January 2009. The insureship.com domain was registered on January 26, 2009.
How are merchants paid by InsureShip?
Your store’s traffic has value beyond product sales. InsureShip pays qualifying merchants for advertising space that connects shoppers with shipping insurance. Interested in seeing what a partnership could look like for your store?
Which platforms does InsureShip support?
Shopify, WooCommerce, Checkout Champ, Sticky.io, BigCommerce, and custom checkouts through the InsureShip API.
Licensed shipping insurance, under the same name since 2009
InsureShip is a licensed insurance agency (CA #0G55434, all 50 states) backed by Navigators, a Hartford company. Talk to us about adding it to your checkout.
Talk to InsureShipSources
Last checked October 10, 2026. ShipInsure quotes are copied word for word from its own website on that date. General information, not legal advice. ShipInsure homepage · ShipInsure, Inc. Terms & Conditions of Use (Last Updated 07/10/2026) · ShipInsure pricing page · insureship.com domain record (registered January 26, 2009) · California Department of Insurance license lookup · Navigators fact sheet (The Hartford, April 2025) · InsureShip coverage terms
If you represent ShipInsure and see something out of date, contact us at /pages/contact-insureship and we will review it promptly.