What its terms say
The clearest starting point is Section 6.1 of ShipInsure’s published terms, last updated July 10, 2026 and reviewed for this guide on November 11, 2026.
“Shipping Protection is not insurance sold to you by ShipInsure.”
ShipInsure, Inc. · Terms & Conditions of Use · Section 6.1
That wording describes its shopper-facing offer. It does not establish whether a provider has separate business insurance or resolve a regulatory question about the program. Keep those questions separate when evaluating your options.
For a merchant, the useful next step is to request the documents that apply to the proposed program. For a shopper, keep the terms and order confirmation that applied when the protection was purchased.
Four things to check before you choose
Use documents, rather than a product name or checkout badge, to understand the protection you are being offered.
Ask for the legal name of the insurance company responsible under the policy. An app, a merchant and an insurer can have different roles.
Request the policy or certificate, if insurance is offered, plus the relevant endorsements and checkout disclosures.
Ask whose interest is insured and who can submit a claim or receive payment. Check the answer against the documents.
Review eligible goods, destinations, limits, exclusions, waiting periods and filing deadlines before comparing price.
The California Department of Insurance’s consumer guidance recommends verifying an agent’s license and reviewing insurance documents. Verification should match the entity and state relevant to the transaction.
Insurance and service benefits: compare the documents
Both types of offer may address a delivery problem. To compare them usefully, identify the agreement that creates the obligation, the party responsible for the benefit, and the process for a disputed claim.
An insurance offer
Look for an insurer, a policy or certificate, the covered interest and the terms governing a loss. A licensed agency may arrange or administer coverage without being the insurer.
A service benefit
Read the service agreement to understand who owes a remedy, which events qualify and what the customer must provide. Do not assume an insurance policy is included.
A page cannot determine a product’s legal classification for every state or transaction. If you need that determination, take the actual program documents to the relevant insurance regulator or qualified counsel.
Why choose InsureShip for shipping insurance?
If your priority is insurance-backed protection, InsureShip gives you a clear starting point: Online Shipping Insurance Services, Inc. is the licensed agency, and Navigators, a Hartford company, is the underwriter.
- A named agency. Verify California DOI license #0G55434 and confirm availability for your program.
- A named underwriter. Know which company stands behind the insurance coverage.
- Written coverage terms. Review the policy, eligibility and exclusions before launch.
- An online claims route. Direct eligible losses to InsureShip’s claims process.
InsureShip is the agency, not the insurer. Coverage depends on the applicable policy, payment of premium and shipment eligibility. Read InsureShip’s coverage terms, then ask our team to review your products and shipping routes.
Want the full provider comparison?
See licensing, program structure, claims and merchant options together in our InsureShip vs ShipInsure comparison.