InsureShip Knowledge Base
How InsureShip is licensed and regulated, who stands behind the coverage, and how merchants and shoppers can check whether any shipping protection product is real insurance.
Yes. InsureShip (Online Shipping Insurance Services, Inc.) is licensed by the California Department of Insurance, license #0G55434, and is licensed nationwide. Coverage availability may vary by state and may be temporarily unavailable in a state while a license renewal is processed.
Learn more: About InsureShip · How to check an insurance license
Related questions: Who underwrites InsureShip shipping insurance? · Is InsureShip the insurance company?
Coverage is underwritten by Navigators, a Hartford company. Navigators Insurance Company is rated A+ by AM Best (as of 2024).
Learn more: About InsureShip
Related questions: Is package protection legally considered insurance? · What is "fake" shipping insurance?
It can be. Whether a product is insurance is decided by state law and regulators based on what it does, not what it is called. In July 2024 the National Association of Insurance Commissioners (NAIC) warned consumers about package protection and advised them to make sure the provider is licensed.
Learn more: What regulators have said · Unlicensed shipping protection risks
Related questions: What is "fake" shipping insurance? · Why should merchants care whether their shipping protection is licensed?
"Fake shipping insurance" usually refers to checkout protection that is marketed like insurance but is not sold by a licensed agency or backed by a named insurer. Warning signs include terms that say the product is not insurance, no named insurer, and claim rules set entirely by the provider.
Learn more: 10 red flags of fake shipping insurance · Shipping insurance scams resource center
Related questions: Why should merchants care whether their shipping protection is licensed? · How do I evaluate a shipping insurance provider?
Merchants that offer unlicensed protection can face consumer complaints, claim disputes, regulatory scrutiny and lawsuits. Several class actions allege that pre-selected shipping protection was charged without affirmative consent. Using a licensed agency with a named insurer and an opt-in offer reduces those risks.
Learn more: Is your store selling insurance without a license? · Shipping protection lawsuits tracker
Related questions: How do I evaluate a shipping insurance provider? · How do I report fake shipping insurance or an unwanted protection fee?
Ask: Is the seller a licensed insurance agency or insurer? Which insurer underwrites the coverage? Is there a written policy or certificate you can read? Who decides claims, and under what terms? Is the checkout offer opt-in? Then verify the license with your state's insurance department.
Learn more: Shipping protection providers compared · How to check an insurance license
Related questions: How do I report fake shipping insurance or an unwanted protection fee? · Is InsureShip the same company as ShipInsure?
You can contact the store and the provider first, then file a complaint with your state's department of insurance if the product appears to be unlicensed insurance. InsureShip's guide explains the steps and where to file.
Learn more: How to report fake shipping insurance
Related questions: Is InsureShip the same company as ShipInsure? · How does InsureShip compare with Route, Seel and other providers?
No. ShipInsure, Inc. is a separate company and is not affiliated with InsureShip. InsureShip has operated under the InsureShip name since 2009.
Learn more: InsureShip vs ShipInsure
Related questions: How does InsureShip compare with Route, Seel and other providers? · Do InsureShip's terms include arbitration?
InsureShip publishes comparison guides that describe what other providers publish about themselves in their own terms, as of the date on each page. They are not legal conclusions about any company and may become outdated; corrections can be requested at hello@insureship.com.
Learn more: Shipping protection providers compared · Is Route shipping protection insurance? · Is Seel Worry-Free Purchase insurance?
Related questions: Do InsureShip's terms include arbitration? · How does InsureShip handle my personal information?
Yes. Most disputes about the website and services are resolved by individual binding arbitration under the AAA Consumer Arbitration Rules, with a class action and jury trial waiver. You can opt out by emailing hello@insureship.com with the subject "Arbitration Opt-Out" within 30 days after you first accept the Terms or first purchase coverage.
Disputes about whether a loss is covered follow the policy, and complaints to the California Department of Insurance or another regulator are never limited.
Learn more: Terms & Conditions, Section 16
Related questions: How does InsureShip handle my personal information? · Is InsureShip a licensed insurance agency?
InsureShip's Privacy Policy explains how personal information is collected, used and shared. To opt out of sharing personal information for cross-context behavioral advertising, use the Your Privacy Choices page.
Learn more: Privacy · Your Privacy Choices
Related questions: Is InsureShip a licensed insurance agency? · Who underwrites InsureShip shipping insurance?
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 →What is covered, the $5,000 per-shipment limit, excluded items and countries, and situations the policy does not cover.
18 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 →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.
