InsureShip Knowledge Base
These answers summarize what InsureShip shipping insurance covers and what it does not. They are drawn from the insurance certificate in Section 4 of the Terms and Conditions, which always controls.
InsureShip covers loss, damage and theft of a shipment in transit, including porch piracy, up to $5,000 per shipment. All coverage is subject to the policy terms, limits and exclusions in the insurance certificate.
Learn more: Full coverage terms
Related questions: What is the maximum coverage per package? · Does shipping insurance cover packages stolen from my porch?
Coverage reaches up to $5,000 per shipment. A deductible may apply under the policy; if it does, it is applied per parcel to the claim amount or the liability limit, whichever is less.
The certificate also states that coverage does not include handling fees and insurance fees.
Learn more: Certificate conditions
Related questions: Does shipping insurance cover packages stolen from my porch? · Is a package marked "delivered" but not received covered?
Yes. InsureShip coverage includes theft, including porch piracy (packages stolen after delivery), subject to the policy terms. For a package that never arrived, the certificate requires a 20-day wait for domestic shipments (30 days for international) before filing a non-delivery claim, and every claim must be filed within 90 days of shipment.
Learn more: What is porch pirate insurance? · File a claim
Related questions: How long do I have to wait before filing a claim for a lost package? · Is a package marked "delivered" but not received covered?
It can be. Theft after delivery is covered, subject to the policy terms, and claims are investigated: InsureShip and the insurer may review tracking and delivery records and contact the carrier, the merchant and the recipient.
First check with neighbors, building staff and the carrier. If the package still has not turned up, file a claim within the policy's time limits.
Learn more: Package marked delivered but not received · File a claim
Related questions: How do I file a shipping insurance claim? · What happens after I file a claim?
Yes. Damage in transit is covered, subject to the policy terms. If your shipment arrives damaged, file a notice of damage with InsureShip immediately, and keep all packaging and damaged items in their original condition until the claim is fully resolved.
Discarding the packaging or damaged goods, or releasing them to the carrier before the claim is complete, can lead to the claim being denied.
Learn more: Shipping insurance for damaged packages · File a claim
Related questions: Do I need to keep the box and damaged item? · What if I find damage after I open the box days later?
The certificate covers concealed damage discovered up to 15 days after final delivery; that damage is treated as possibly having occurred in transit. Loss or damage discovered 16 or more days after final delivery is treated as not occurring in transit and is not covered.
Inspect your delivery promptly and report damage right away.
Learn more: Certificate: Concealed Damage
Related questions: Does shipping insurance cover a late or delayed package? · Which items are excluded from coverage?
No. Coverage does not include delay, so a late package is not, by itself, a covered loss. If a package never arrives, you can file a non-delivery claim after the waiting period: 20 days for domestic shipments or 30 days for international shipments.
For delivery-time questions, contact the store or the carrier.
Learn more: Shipping Policy, Section 5
Related questions: How long do I have to wait before filing a claim for a lost package? · Should I contact InsureShip or the store?
The certificate excludes the following unless endorsed in writing: flowers, plants, fine art, cotton, fresh foods, live animals, precious stones and metals, currency, cigarettes, eggs, specie, securities and other negotiable papers, bulk products, personal goods, laptop computers, computer chips and similar memory devices, televisions and mobile phones.
Merchandise shipped on consignment, memorandum or approval is also excluded unless it was shipped to fulfill an order or request.
Learn more: Certificate: Policy Exclusions
Related questions: Are laptops, phones and TVs covered? · Does insurance cover spoiled, melted or temperature-damaged items?
Not by default. Laptop computers, mobile phones, televisions, and computer chips and similar memory devices are excluded under the certificate unless they are endorsed in writing. Merchants who ship these items should ask InsureShip about coverage before offering it.
Learn more: Certificate: Policy Exclusions · Contact InsureShip
Related questions: Does insurance cover spoiled, melted or temperature-damaged items? · Do packaging and labeling affect coverage?
No. The certificate excludes losses resulting from inherent vice, decay, changes in temperature or humidity, and other deterioration. Fresh foods, eggs, flowers, plants and live animals are also on the excluded-items list unless endorsed in writing.
Learn more: Certificate: Policy Exclusions
Related questions: Do packaging and labeling affect coverage? · Is a package sent to the wrong address covered?
Yes. The certificate excludes loss, damage or non-arrival of a parcel that was addressed, wrapped or packed insufficiently or incorrectly, or contrary to the carrier's packaging requirements. It also excludes parcels with a descriptive label or packaging that describes the contents.
The insured warrants that parcels are shipped in line with the carrier's regulations, so merchants should follow carrier packing rules and use plain outer packaging.
Learn more: Certificate exclusions and conditions · How merchants can reduce shipping claims
Related questions: How can merchants reduce shipping claims? · Is every claim paid?
Losses caused by an incorrect or insufficient address are excluded under the certificate. Make sure the shipping address you give the store is complete and correct before you place your order.
Learn more: Shipping Policy, Section 6
Related questions: Is a package handed over to a scammer covered? · Does InsureShip cover international shipments?
No. The certificate excludes losses arising from delivering the product to someone who obtains it by trick, false pretense or another fraudulent scheme.
Learn more: Certificate exclusions
Related questions: Does InsureShip cover international shipments? · Which countries are excluded from coverage?
Yes, international shipments can be covered, except shipments to excluded or sanctioned countries listed in the certificate. Non-delivery claims for international shipments require a 30-day wait before filing.
Customs duties, taxes and fees, and seizure or confiscation by customs or other government authorities, are not covered.
Learn more: Shipping Policy, Section 7 · International orders guide
Related questions: Which countries are excluded from coverage? · Are customs seizures, duties or taxes covered?
The certificate excludes shipments to Afghanistan, Angola, Bolivia, Burma, Iran, Iraq, Congo, Ivory Coast, Lebanon, Liberia, Libya, Nigeria, North Korea, Paraguay, Somalia, Syria, Zimbabwe, Russia and Ukraine, and any other country that is or becomes embargoed by the United States or United Nations as sanctioned by the Office of Foreign Assets Control (OFAC).
Learn more: Certificate: Excluded countries
Related questions: Are customs seizures, duties or taxes covered? · Is InsureShip coverage available in every state?
No. Customs duties, taxes and fees are not covered, and neither is seizure or confiscation by customs or any government authority. These are the responsibility of the merchant or recipient under their own terms.
Learn more: Shipping Policy, Section 7
Related questions: Is InsureShip coverage available in every state? · What other situations are not covered?
InsureShip is licensed nationwide, but availability, eligibility and pricing may vary by state and may change. Coverage may be temporarily unavailable in a state, including while a license renewal is under review, and it is offered only where InsureShip and the insurer are authorized to offer it.
Learn more: Terms & Conditions, Section 3.3
Related questions: What other situations are not covered? · What does InsureShip shipping insurance cover?
In addition to excluded items and countries, the certificate excludes losses caused by dishonesty or any overt act of the insured or the insured's employees; loss of market, loss of use, latent defect, clean-up costs and other remote or consequential losses; war, insurrection and similar risks; nuclear reaction or radioactive contamination; and contraband or illegal transportation of trade.
Learn more: Certificate: Policy Exclusions
Related questions: What does InsureShip shipping insurance cover? · What is the maximum coverage per package?
Last updated October 22, 2026. Answers summarize InsureShip's Terms & Conditions (Section 4 reproduces the insurance certificate), Refund Policy and Shipping Policy. If anything here conflicts with the certificate or policy, the certificate or policy controls. General information, not legal advice.
What shipping insurance is, how it works at checkout, and how it differs from carrier coverage and "shipping protection."
13 answers →How and when to file, waiting periods and deadlines, documents you need, and what happens after you submit.
16 answers →Why InsureShip appears on your statement, how to cancel before shipment, refunds and billing questions.
11 answers →Adding InsureShip to Shopify, WooCommerce, funnel carts and marketplaces, opt-in checkout setup, and who handles claims.
15 answers →Checkout insurance, enterprise bulk coverage at $2.00 per $100, advertising partnerships, white label, and contract terms.
12 answers →InsureShip's license, the insurer behind the coverage, regulator guidance on package protection, and how to verify any provider.
11 answers →Company facts, office hours, phone and email for sales and claims, and where to send each kind of question.
9 answers →Still need help?
Product, tracking and delivery questions go to the store you bought from. Coverage, claims and insurance charges come to us.
