UltraCart Shipping Insurance

Reviewed by Kyle Gibson, Compliance Auditor · Updated October 2026

Key takeaways

• UltraCart's "Package Insurance Value" sets signature-required thresholds. It doesn't sell insurance to buyers.
• Pre-checkout upsells appear after the shopper clicks checkout but before payment details, and are triggered by cart contents or item tags.
• UltraCart already lists warranty and protection plans as an upsell offer type.
• InsureShip is integrated with UltraCart (integration built with our fulfillment partner RapidFulfillment). Contact us to turn it on for your store.
• Present insurance as a clear, declinable choice.

How do you add shipping insurance to UltraCart?

1. Contact InsureShip. Tell us about your UltraCart store.
2. We enable the integration for your store. The UltraCart integration was built with our fulfillment partner RapidFulfillment, so there is no API build on your side.
3. Choose an opt-in checkout presentation. Pick how the offer appears in your UltraCart checkout. InsureShip recommends, and configures by default, an opt-in (unchecked) offer.
4. Customers file claims at /pages/file-claim. InsureShip handles every claim.

Background: how a pre-checkout insurance upsell works in UltraCart

UltraCart's pre-checkout upsell guide says the feature is "included in every UltraCart plan" and that offers "appear after customers click the checkout button but before they enter payment details." That moment, right before payment, is when shipping risk is on the buyer's mind.

1. Create an insurance item in UltraCart for the coverage price. See pricing for how InsureShip prices coverage.
2. Tag your shippable items. Use an item tag such as ships-physical.
3. Build a pre-checkout upsell rule that triggers on that tag. Digital products then never see the offer.
4. Write the offer honestly. Use a template, name it "Shipping insurance," show the price, link the terms, and make "No thanks" as easy to click as "Add."
5. Pick the display location in your StoreFront settings.
6. Test a cart with and without physical items.

If you'd rather offer coverage after purchase, UltraCart also supports custom "Upsell After" sequences. Pre-checkout is usually simpler, since insurance then rides on the original order.

Checkout best practices for an insurance upsell

• Let the shopper choose. InsureShip recommends, and configures by default, an opt-in (unchecked) offer. An upsell screen is opt-in by nature; keep it that way. Don't add insurance automatically and make the buyer remove it. Several class actions allege that pre-selected shipping protection toggles charged shoppers without consent. These are allegations, but they show where disputes start. Track them in our lawsuit tracker.
• Call it insurance, not a vague "guarantee," and link the policy terms.
• Check the upsell on mobile. Upsell templates with images and video can push the decline button off screen.
• Subscriptions: if insurance renews with auto-ship orders, say so in the offer. ROSCA requires online sellers using a negative option to "clearly and conspicuously disclose[] all material terms of the transaction before obtaining the consumer's billing information." This is general information, not legal advice.

Frequently Asked Questions