Shipping protection apps are built in different ways. Some sell licensed insurance, some buy an insurance policy for themselves, and some describe their product as not insurance. This page summarizes what each provider says about itself in its own published materials, with links so you can check every line.
Provider comparison
Each row reflects the provider’s own published website, terms or help documentation.
Sources last checked October 8, 2026About this page: InsureShip is a competitor of the providers listed here. Inclusion on this page is not a claim that any provider is acting unlawfully. Whether a product is insurance is decided by state law and regulators. Providers update their terms, so verify the current version before you decide. If you represent a listed provider and something is out of date, contact us and we will review it promptly.
| Provider | How it describes its structure | Insurer or licensed entity it names | Who funds claims, per its own materials |
|---|---|---|---|
| InsureShip | Licensed insurance | Licensed by the California DOI, #0G55434; licensed nationwide; underwritten by Navigators (The Hartford), rated A+ by AM Best (fact sheet) | Navigators-backed policy; claims handled by InsureShip |
| Cover Genius (XCover) | Licensed insurance | Cover Genius Insurance Services, LLC; publishes state license numbers | Insurance policies |
| UPS Capital InsureShield | Licensed insurance | UPS Capital Insurance Agency, Inc., a licensed insurance producer | An authorized insurance company |
| Shipsurance | Licensed insurance | CDI license 0E39065; policies issued by a non-admitted insurer | Insurance policy; claims paid to the insured |
| Route | Insurance-backed | Route Insurance Solutions, LLC; cargo policy via Seg Insurance Ltd.; shopper is not an insured | Route’s cargo policy, with Route as named insured |
| Extend | Insurance-backed | Policy issued to Extend, Inc. by Overtime Insurance Solutions Corporation; shopper is not an insured | Extend’s cargo policy; shopper is a loss payee |
| Seel | Affiliated insurer | Seel Insurance Inc. or Arch Specialty Insurance Company, depending on jurisdiction | Seel, per its shopper terms |
| OrderProtection.com | Not stated in terms reviewed | None named in the customer terms or help docs we reviewed | Merchant receives the greater of a revenue share or claim reimbursements |
| Navidium | Described by provider as not insurance | None | The merchant, which collects the fees and decides claims |
| ShipAid | Described by provider as not insurance | None | The merchant (the brand replaces the product) |
| Corso | Described by provider as not insurance | None | Protection fees fund claims, per Corso’s pricing page |
| ShipInsure | Described by provider as not insurance | None named | ShipInsure, in coordination with the merchant |
ShipInsure, Inc. (shipinsure.io) is a separate company and is not affiliated with InsureShip.
Provider details
Summaries of each provider’s published terms, with links to the source.
Sources: Route terms · Route insurance · Route compliance
Source: Extend shipping protection guide
Sources: Seel FAQ · Seel shopper terms
Sources: Dashboard docs · How payouts work
Sources: ShipAid terms · ShipAid blog
Sources: Corso terms · Corso pricing
Sources: ShipInsure terms · ShipInsure homepage
Sources: Cover Genius · InsureShield · Shipsurance
Litigation
Several lawsuits have challenged how shipping protection fees are presented at checkout, such as pre-selected boxes and disclosure. Every claim below is an allegation unless a court has ruled. None is a finding that any provider broke the law. Status as of October 8, 2026.
N.D.N.Y. Putative class action under New York consumer law over a pre-selected shipping protection toggle at checkout. Route has not been found liable. Route states that it holds Department of Insurance authorization in all 50 states and publishes its licensed producer and cargo policy (see the Route details above).
Pending · allegations only ComplaintD. Utah, removed from state court. Filings are largely sealed; the allegations are not public.
Pending DocketN.D. Cal. Alleged Seel sold shipping insurance in California without being an admitted insurer.
Voluntarily dismissed April 2026 · no ruling on the merits DocketN.D. Cal. Putative class action, listed on the docket as “Other Fraud.”
Pending · allegations only DocketC.D. Cal. A court order describes the claims as alleged deceptive practices involving shipping protection fees added automatically to purchases. Note that the merchant, BrüMate, is a co-defendant.
Trial set for Dec 2026 as of Oct 2025 order; later events unconfirmed OrderWhichever provider you use, make the offer clearly optional and disclose what the shopper is buying.
Provider FAQs
Answers restate each provider’s own published terms.
Route’s terms say Route Insurance Solutions, LLC procures a cargo policy naming Route as the insured, and that shoppers are not insureds under it. Route states it holds Department of Insurance authorization in all 50 states. Review Route’s current terms directly.
Navidium says it is not an insurance company. Its site says merchants collect the fees, decide claims, and reship or refund themselves. Review Navidium’s current terms directly.
Corso’s terms say its value coverage, including shipping protection, is not insurance, and that claim decisions are at the company’s discretion. Review Corso’s current terms directly.
No. This page provides general information and is not legal advice. Insurance regulation varies by state and depends on specific facts. Provider descriptions are based on each provider’s published materials as of the date shown.
Questions to ask any provider
Whichever provider you use, ask for the name of its insurer, proof of licenses in your states, and its written claim terms.
Questions?hello@insureship.com1-866-701-3654
This page provides general information and is not legal advice. Insurance regulation varies by state and depends on specific facts. Provider descriptions are based on each provider’s published materials as of October 8, 2026. InsureShip is a competitor of the providers listed. InsureShip’s license (California DOI #0G55434) can be verified with the California Department of Insurance.