Shipping insurance: how it works and evidence you need

What it actually protects

Coverage may apply to loss or damage under the carrier and product terms. Not every item, cause or amount is eligible. “Insured” does not mean automatic payment.

Read limits, deductibles, exclusions and required documents before shipping. Buying coverage does not make an excluded commodity claimable.

Declared and provable value

The declared amount must be supported by an invoice, receipt, purchase order or another accepted document. Entering a high number without proof does not automatically create entitlement to that amount.

For your own products, retain cost and sales evidence. For used or unique goods, confirm accepted proof before promising coverage to a buyer.

Minimum evidence

• Product before packing and serial number when applicable.
• Internal protection and condition of the carton.
• Sealed box with readable label.
• Proof of value and related order.
• Photos of damage, packaging and contents on receipt.
• Tracking timeline and communications.

If loss or damage occurs

Preserve packaging and gather evidence. Open one complete claim within the applicable deadline and answer requests without altering original files.

Keep customer service separate from insurance resolution. You may choose to replace the buyer’s order earlier, but that commercial cost does not guarantee carrier approval.