Online Shipping Insurance Services provides shipping insurance for your online purchases from lost, damaged and theft while in transit. InsureShip is committed to shipping insurance underwriting excellence. We have over 13 years of experience in commercial shipping insurance and provide worldwide shipping insurance coverage for all carriers. When you purchase your shipping insurance from us you will receive world-class service, fast & easy online claims processing and the peace of mind that comes when you insure your order with a trusted name such as InsureShip.com.
Policy Administered by:
Online Shipping Insurance Services, Inc. (InsureShip.com)
3211 Cahuenga Blvd West, 2nd Floor, Los Angeles, CA 90068
License #0G55434
Underwriters:
Navigators Insurance Group
One Penn Plaza
32nd Floor
New York, NY 10119
This Agreement is between Online Shipping Insurance Services, Inc. (OSIS ) and you ("you" or "Customer") This Section sets forth the terms and conditions which apply to the use by you of the InsureShip.com sites (as defined below) and any other subscription product or service offered for sale by OSIS and/or its affiliates (collectively, "OSIS "). The right to use any product or service offered by OSIS is personal to you and is not transferable to any other person or entity. OSIS reserves the right to make changes to the OSIS sites, policies, and these terms at any time without notice.
User of InsureShip.com Sites
InsureShip.com sites contain links to other Web sites, resources and advertisers. OSIS is not responsible for the availability of these external sites nor does it endorse or is it responsible for the contents, advertising, products or other materials made available on or through such external sites. Under no circumstances shall OSIS be held responsible or liable, directly or indirectly, for any loss or damage caused or alleged to have been caused to a user in connection with the use of or reliance on any content, goods or services available on such external site. You should direct any concerns to such external site's administrator or webmaster.
Disclaimer of Warranty; Limitation of Liability
OSIS neither endorses nor is responsible for the accuracy or reliability of any opinion, advice or statement on InsureShip.com sites, nor for any offensive, defamatory or obscene posting made by. Under no circumstances will OSIS be liable for any loss or damage caused by your reliance on information obtained through the content on InsureShip.com sites. It is your responsibility to evaluate the accuracy, completeness or usefulness of any information, opinion, advice or other content available through InsureShip.com sites. Please seek the advice of professionals, as appropriate, regarding the evaluation of any specific information, opinion, advice or other content, including but not limited to financial, health, or lifestyle information, opinion, advice or other content.
Indemnification
You agree to defend, indemnify and hold harmless OSIS, its affiliates and their respective directors, officers, employees and agents from and against all claims and expenses, including attorneys' fees, arising out of the use by you of the InsureShip.com Sites, including claims by other users of your equipment, access, products or membership.
Cancellation Policy/Return Policy
We take great pride in providing you the best possible shipping insurance. The customer is able to cancel their insurance policy for a full refund any time prior to shipment by merchant. Once an item has been shipped, all shipping insurance sales are final.
Policy Exclusions
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, unless endorsed in writing. Merchandise shipped in consignment, memorandum, or approval unless shipped in fulfillment of and order or request.
Excluded countries: Afghanistan, Angola, Bolivia, Burma, Iran, Iraq, Congo, Ivory Coast, Lebanon, Liberia, Libya, Nigeria, North Korea, Paraguay, Somalia, Syria, Zimbabwe, Russia, Ukraine, and any other Country that is or may become Embargoed by the United States or United Nations as sanctioned by the Office of Foreign Asset Control (OFAC)
Loss, damage, or non-arrival of any parcel or the contents of said parcel which (a) is addressed, wrapped or packed insufficiently, incorrectly or contrary to the packaging requirements of the carrier being used by the insured or (b) bears a descriptive label or packaging describing the nature of the parcel's contents. Any parcel containing personal goods to accommodate an employer or employee.
Losses (claims) being caused by infidelity, dishonesty, or any overt act on the part of the insured, associate in interest, and/or any of the insured's employees, whether occurring during hours of employment or otherwise, or on the part of custodians (common carriers excepted), or the property insured, unless specifically endorsed herein in writing. Resulting from inherent vice, decay, clean up costs, loss of market, loss of use, latent defect, delay, changes in temperature or humidity, or other deterioration, any remote or consequential loss, whether or not arising out of a peril insured against. Arising out of loss from delivering the product to someone who obtains it by trick, false pretense, or other fraudulent schemes.
Against loss or damage caused by or arising out of; a) hostile or warlike action in times of both peace and war, including action hindering, combating, or defending against an actual impending or expected attack; b) any weapon of combat employing atomic fission/fusion or any other radioactive force in times of both war and peace; c) insurrection, rebellion, revolution, civil war, usurped power, or action taken by government authority in hindering, combating or defending against such an occurrence, seizure or destruction under quarantine or customs regulations, confiscation by order of any government or public authority or risks of contraband or illegal transportation of trade. Nuclear Exclusion. Notwithstanding anything herein to the contrary, it is hereby understood and agreed that this policy shall not apply to any loss, damage, or expense due to or resulting from, whether directly or indirectly, nuclear reaction, radiation, or radioactive contamination, no matter what its cause.
Conditions
It is warranted by the insured that all parcels under this coverage will be shipped in accordance with all regulations of the carrier and amendments thereof.
The deductible, if any, shall be deducted from the amount of the claim or liability limit, whichever is less, on a "per parcel" basis and borne by the insured. The insured is responsible for (and entitled to) collecting any amount for which the carrier may be liable.
The insured must wait 20 days for domestic, 30 days for international shipments, to file for non-delivery claims. If damaged, the insured may file a notice of damage with Online Shipping Insurance Services immediately. All claims must be filed within 90 days of shipment to be honored. The insured will submit a completed Online Shipping Insurance Services claim form, copy of the original invoice to the consignee/ original invoice from the shipper, whichever is applicable, a signed and dated statement from the consignee / receiving party, proof of damage if applicable and any additional documentation requested to substantiate the loss. Coverage does not include handling fees and insurance fees. All damaged property for which payment (not repair costs), or replacement costs have been made, must, on request, be returned to the Underwriters. Failure to hold the damaged property until the claim is fully resolved will result in the claim's being denied. The insured will have one (1) year from the date of the shipment to furnish any required and/or additional documentation requested by Online Shipping Insurance Services in order for the insured to substantiate said claim. Should the insured fail to provide the required and/or additional documentation within one (1) year from the ship date, the insured's claim will be denied. Any covered loss will be promptly paid to the insured or their assignee after notice of loss or damage and the required documentation has been received and accepted by Underwriters in accordance with all terms and conditions of this coverage, unless property is replaced, at the option of the Underwriters, with like kind, function, and quality.
Upon payment for loss or damage, the Underwriters shall be subrogated to all the rights of the insured including whatever money may be recoverable. This payment excludes applicable deductible amounts corresponding to the claim settlement on account of said loss or damage from the carrier, or any of the carrier's employees or agents, or from any other person or corporation whatsoever. The insured specifically covenants and agrees to aid the company in all manners possible to aid in securing reimbursement of said loss or damage. In the event the carrier admits to fraudulent activity from the carrier's employees, the insured will take action against the carrier and not hold Online Shipping Insurance Services responsible for claims associated with said activity.
No suit, action or proceedings for the recovery of any claim under this coverage shall be sustainable in any court of law or entity unless the respective action is commenced within twelve (12) months after discovery by the insured of the issue giving rise to the claim, provided however, that said time limitation is invalid by the state law where this coverage is issued. In that case any such claim shall be void.
The insured or the Underwriters may terminate this policy at any time by giving fifteen (15) days written notice thereof, provided that such termination does not impact a shipment already in transit. Certified notice of cancellation sent to the insured at the last known address shall be deemed sufficient compliance with the conditions of this clause on the part of the Underwriters.
Claims
Your online purchase has been insured for loss, damage and theft by Online Shipping Insurance Services. If your package is damaged once received or simply does not arrive, please use the following link to make a claim:
Claim Form: Click Here
All packaging material and damaged goods must be kept in the original form as received. Packaging and damaged goods should not be disposed of or released to the shipping carrier before a claim is completed, as photographs may be required. Failure to comply can result in the denial of the claim due to insufficient packing.
Concealed Damage - Allows for the discovery of loss or damage up to 15 days after final delivery. The loss is deemed to have possibly occurred during the insured transit. Discovery of loss or damage occurring 16 days or later after final delivery is deemed to have occurred while the shipment was NOT in transit, and therefore, is not covered.
Insured must wait 20 days for domestic, 30 days for international shipments, to file for non-delivery claims. If damaged, the insured will file a notice of damage with Online Shipping Insurance Services immediately. All claims must be filed within ninety (90) days of shipment to be honored. The insured will submit a completed Online Shipping Insurance Services claim form, copy of the original invoice to the consignee / original invoice from the shipper, whichever is applicable, a signed and dated statement from the consignee / receiving party, proof of damage if applicable and any additional documentation requested to substantiate the loss. Coverage does not include handling fees and insurance fees. All damaged property for which payment (not repair costs), or replacement costs have been made, must, on request, be returned to the Underwriters. Failure to hold the damaged property until the claim is fully resolved will result in the claim’s being denied.
Once claim has been accepted and approved by the underwriters, prompt payment will be made to the Insured.
Claim Disputes
This Certificate shall be construed and interpreted in accordance with the laws of the State of California.
The parties agree that any and all claims or disputes arising out of the Certificate or the performance of the Certificate shall be brought in Los Angeles County, California.
The Insured agrees to INDEMNIFY AND HOLD HARMLESS OSIS and Underwriters from any loss, liability, damage or costs, including court costs and attorney fees that they may incur due to misreading, misunderstanding, and not following the coverage requirements as per this InsureShip certificate or as endorsed.
If you have any questions regarding this policy please contact us: Click Here
Use of Personal Information
Our Privacy Notice explains how we use your personal data, describes the categories of personal data we process and for what purposes.
We are committed to collecting and using such data fairly and in accordance with the requirements of the GDPR.
By using Online Shipping Insurance Services, in any way accessing InsureShip.com, or using other services of Online Shipping Insurance Services (collectively the Services), you are accepting the practices described in this Policy.
This Policy does not apply to the practices of companies that Online Shipping Insurance Services does not own or control, or to people that we do not employ or manage.
This is a summary of our Privacy Notice. You can read the full version here.
Who we are
Online Shipping Insurance Services (DBA InsureShip) is an insurance agency that specializes in Shipping Insurance and is underwritten by Navigators and The Hartford.
To find out more about your privacy rights and how we gather, use and share information about you, our Data Protection Officer can be reached by email at [email protected] or by mail at Data Protection Inquiry 3221 W. Cahuenga Blvd 2nd Floor Los Angeles, CA 90068.
Your rights
You have the right to object to how we process your personal information.
You also have the right to access, correct, sometimes delete and restrict the personal information we use.
In addition, you have a right to complain to us by contacting us and to the data protection regulator, the Information Commissioner's Office whose contact details are available at the ICO website.
Find out more about your rights.
How we gather your personal information
In addition to the information you provide to us directly, we collect personal information in a number of ways for example from third party credit reference agencies and from looking at how you have used other products and services we offer.
Sometimes for your safety and for legal reasons we collect personal information by recording and monitoring calls.
These recorded calls may be used for training and quality control.
Find out more about how we gather your personal information.
How we use your personal information
We use your personal information to provide you with shipping insurance services, review and process a claim filed, to comply with the law and enforce our legal rights and to improve and market our products and services.
Sometimes we use automated processes to make decisions about you and to profile you.
Sometimes we need to use sensitive personal information to provide you our shipping insurance service you have requested and to give you the best service.
Find out more about how we use your personal information.
Our products and services
We need some personal information before we can provide our services to you, for example to allow us to check your obtain information to establish a policy for coverage, or to verify the validity of a claim when received.
In some cases we won't be able to provide our services to you if we don’t have all the personal information we need.
Find out more about the legal basis for using your data.
Sharing and transferring personal information
We share personal information with other third parties as required to fulfill our shipping insurance service for you.
We also share personal information with regulators, our underwriters and law enforcement as needed.
When accepting policy information or processing a claim, we may transfer personal information to other countries outside the US for these purposes, where suitable protection is in place.
Find out more about how and when we might share your personal information.
Keeping personal information
We keep your personal information securely for as long as we need to for the purposes described in section 2 and 4 of the Privacy Notice.
Find out more about how long we keep personal information for.
Your consent
Sometimes we need your consent to use your personal information (for example for marketing).
We won't always need consent to use personal information - for example if we need it to meet regulatory requirements or to perform a contract with you. Where you have given us consent, you have the right to withdraw it at any time.
Find out more about how we keep you up to date.
By email: [email protected]
By Phone: 1-866-701-3654 | International: +1-818-303-9255
Hours: Mon/Fri, excluding U.S. public holidays 9:00am - 5:00pm PST (-8 GMT).