Shopify Shipping Insurance Resource Center

Shopify itself is not the insurer for every order. Coverage can depend on the carrier, shipping service and any third-party protection selected by the merchant. Review the actual terms of the coverage attached to your shipments rather than assuming all Shopify orders are fully insured.

Coverage varies by provider and policy. Depending on the terms, eligible events may include packages lost in transit, shipment damage, theft or certain non-delivery situations. Always review exclusions, limits and documentation requirements.

No. Carrier liability and dedicated shipping insurance can have different coverage limits, exclusions, documentation standards and claims procedures. Merchants should compare the actual terms rather than treating them as interchangeable.

Some shipping insurance policies include eligible theft or delivered-but-not-received events, while carrier liability may treat confirmed delivery differently. Coverage depends on the specific policy terms.

Merchants can use a compatible third-party Shopify shipping insurance solution, configure coverage and pricing rules, review policy terms and test the customer experience before launch. InsureShip provides a Shopify-focused shipping insurance solution.

The merchant typically remains the customer's primary point of contact. Behind the scenes, the merchant may work with the carrier or insurance provider depending on how the shipment was protected and what caused the loss.

Requirements vary, but claims commonly involve order information, tracking details, evidence of value and documentation related to the loss or damage. Damage claims may also require photographs of the merchandise and packaging.

Both models are used. Customer-paid protection can appear as an optional checkout add-on, while merchant-paid coverage can be treated as an operating cost. The appropriate structure depends on the provider, merchant economics and desired checkout experience.