Shipping Protection Terms and Conditions

ShipInsure, Inc. Terms of Service

Last Updated: February 18, 2026

These Terms of Service (“Terms”) govern your access to and use of shipinsure.io (the “Website”), the ShipInsure checkout add-on/embedded widget (the “Widget”), the ShipInsure claims portal (the “Portal”), and any related tools, software, and services we provide (collectively, the “Services”).

ShipInsure, Inc. (“ShipInsure,” “we,” “us,” or “our”) provides Services that may allow a shopper to purchase optional Shipping Protection (the “Shipping Protection”) for eligible orders from participating merchants (each, a “Merchant”).

IMPORTANT ARBITRATION NOTICE (FOR U.S. USERS): These Terms contain a binding arbitration agreement and a class action waiver. Unless you opt out as described below, you agree to resolve most disputes through individual arbitration rather than in court.

1. Acceptance of These Terms

By accessing or using the Services, by clicking “Accept,” by purchasing Shipping Protection, by submitting a claim, or otherwise using the Services, you agree to and acknowledge that you have read and understood these Terms. If you do not agree, do not use the Services. If you use the Services on behalf of a company, you represent that you have authority to bind that company, in which case “you” refers to both you and the company.

2. Who These Terms Apply To

These Terms apply to:

  • End-Users/Consumers: Individuals who purchase goods from a Merchant and optionally acquire Shipping Protection for an order (“End-Users”).

  • Other Website visitors.

If you are a Merchant (or acting on behalf of one), your use of ShipInsure’s merchant-side services is governed by a separate written agreement (e.g., Master Services Agreement/Order Form). In the event of any conflict, those terms will take precedence.

3. Changes to These Terms

We may update these Terms from time to time. The “Last Updated” date indicates the latest version. Continued use of the Services after updates means you accept the updated Terms.

4. Privacy

Our collection and use of information is described in our Privacy Policy (posted on the Website). By using the Services, you consent to our data practices as described therein.

5. The Services and Relationship to Merchant

  • 5.1 Merchant-Controlled Checkout and Offer: ShipInsure’s Services are designed as an add-on to a Merchant’s online storefront. The Merchant controls (among other things) how the Shipping Protection offer is presented at checkout, the text shown to shoppers, product eligibility, and items sold.

  • 5.2 Not a Seller of Goods: ShipInsure does not sell, ship, or deliver the goods you purchase from a Merchant. The contract of sale for the goods is solely between you and the Merchant.

  • 5.3 Voluntary: Unless a Merchant provides it to you at no charge, Shipping Protection is optional. You may choose to obtain protection from other sources or no protection at all.

6. Shipping Protection Program (Core Terms)

6.1 What Shipping Protection Is (and Is Not)

Shipping Protection is a service benefit that may provide a remedy when a protected shipment experiences certain covered events during transit or after delivery, as described below.

  • Shipping Protection is not a guarantee of the Merchant’s product quality and is not a substitute for the Merchant’s return policy.

  • Shipping Protection is not insurance sold to you by ShipInsure. Any insurance-related arrangements are solely between ShipInsure and its third parties; you are not an insured or co-insured party under any such policy unless expressly agreed in writing.

6.2 Covered Events (General)

Subject to eligibility, exclusions, and limits, Shipping Protection may cover:

  • Loss in transit (e.g., shipment missing and presumed lost),

  • Damage in transit (physical damage sustained during shipment),

  • “Delivered but not received” events (including post-delivery theft, where applicable).

Coverage may vary based on the Merchant, carrier, destination, item category, and other risk factors. The specific presentation at checkout and/or in the Portal forms part of the Shipping Protection terms for that transaction.

6.3 Exclusions

Shipping Protection does not cover (and no benefits will be paid for) losses related to:

  • Merchant or carrier service failures unrelated to physical loss/damage/theft (e.g., delays, missed delivery windows), unless explicitly covered for your transaction;

  • Manufacturing defects, ordinary wear and tear, product performance, size/fit dissatisfaction, or other “quality issues” unrelated to transit damage (unless a Merchant has separately enabled a quality coverage product, explicitly shown at checkout);

  • Fraud, collusion, or misrepresentation;

  • Governmental seizure, contraband, sanctions violations, or illegal goods;

  • Items prohibited or restricted by laws, regulations, carrier rules, or Merchant policies;

  • Any other exclusions disclosed at checkout, in the Portal, or in transactional-specific terms.

We may also exclude categories presenting elevated risk (e.g., cash equivalents, certain high-value items, perishables, live animals, etc.), and eligibility may vary by Merchant.

6.4 Coverage Limits

Unless otherwise specified for your transaction:

  • The maximum benefit will be the Declared Value of the eligible items in the protected shipment, up to $5,000 per order/shipment.

  • “Declared Value” means the item price paid to the Merchant (excluding shipping fees, taxes, duties, tips, installation, and other add-ons), unless the Merchant’s disclosures at checkout establish a different basis.

  • If your order exceeds the limit, benefits will be capped at the applicable limit.

6.5 Period of Coverage

Shipping Protection generally applies from when the shipment commences transit until delivery (or other termination of transit), subject to timeframes for “delivered but not received” cases and claim submission rules.

6.6 Claims Process and Timeframes

You must submit a claim via the Portal, using the links/instructions provided for your order, and provide information we request. Unless otherwise specified for your transaction:

  • Delivered but not received: File claim no earlier than 5 days after the carrier marks "delivered," and no later than 30 days after delivery.

  • Lost (not delivered): File claim 7 days after the carrier’s last scan/checkpoint (or 20 days for international), and no later than 30 days after the last scan/checkpoint.

  • Damaged: File claim within 30 days of delivery, providing photos and other documentation we request.

We may require supporting documentation (e.g., photos of damage and packaging, police report where appropriate, carrier investigation, proof of purchase, identity verification). Failure to provide requested documentation may result in claim denial.

6.7 Remedies (Replacement, Repair, Refund)

If a claim is approved, the remedy may be:

  • Replacement shipment (including re-order), or

  • Repair, or

  • Refund / reimbursement,

as determined by ShipInsure in coordination with the Merchant’s fulfillment/refund capabilities and policies, and subject to coverage limits and other terms.

6.8 Sole Discretion; Fraud and Abuse

We may approve or deny claims based on eligibility criteria, fraud signals, documentation, carrier data, Merchant input, and other factors. We may deny claims that we reasonably believe are fraudulent, abusive, or unfounded.

6.9 Chargebacks and Double Recovery

If you experience a covered event, you agree to first proceed through the Shipping Protection claims process before initiating a chargeback for the same loss with your payment provider.

  • If you seek a chargeback before a claim is concluded, we may, in our sole discretion, limit your remedy to a refund of the Shipping Protection fee (if any), and consider this full satisfaction of our obligations.

  • If you receive reimbursement from a Merchant, carrier, or third party for the same loss, you may not claim duplicate amounts. We may reduce or recover benefits to prevent double recovery.

6.10 Cooperation; Subrogation/Recovery Rights

You agree to reasonably cooperate with our investigation and provide accurate information. If we provide a benefit for a covered loss, we may pursue recovery against carriers or other third parties. You agree to assist us in doing so (including signing reasonably required documents) and to subrogate to us any rights you have against third parties, to the extent of benefits paid, as permitted by law.

6.11 Unacceptable Risk / Eligibility Restrictions

We may, in our sole discretion, decline to offer Shipping Protection, cancel coverage for particular orders, or limit benefits if we determine an End-User, order, address, or pattern of behavior presents an unacceptable risk of loss or abuse. If we cancel coverage before a claim is paid, we may refund the Shipping Protection fee (if any), unless prohibited by law.

7. Merchant Responsibilities; No Responsibility for Merchant Conduct

Merchants are responsible for:

  • their products, descriptions, warranties, and return policies,

  • order fulfillment and customer support for non-shipping related issues,

  • checkout disclosures and pricing for goods and any optional add-ons they offer.

ShipInsure is not responsible for the Merchant’s goods/services, delivery, delays, or Merchant policy decisions, except as expressly stated in these Terms regarding Shipping Protection.

8. Accounts and Access

Some features may require you to create an account or verify your identity. You agree to provide accurate information and keep your credentials secure. You are responsible for all activity under your account. We may suspend, restrict, or terminate accounts to prevent fraud, abuse, or security risks.

9. Prohibited Uses

You agree not to:

  • Abuse the Services, attempt to access non-public systems, or bypass security measures,

  • Scrape, crawl, or reverse engineer the Services,

  • Introduce malware or disrupt operations,

  • Submit false, misleading, or fraudulent claim information,

  • Use the Services to build a competitive product,

  • Violate any applicable laws.

10. Intellectual Property; Feedback

The Services, including software, interfaces, text, graphics, and trademarks, are owned by ShipInsure or its licensors and are protected by law. We grant you a limited, non-exclusive, non-transferable license to use the Services for their intended purpose. If you provide us with feedback, you grant us the right to use it without restriction or compensation.

11. Third-Party Services

The Services may contain or be integrated with links to third-party websites/services (including merchant sites and carrier tracking). We do not control third parties and are not responsible for their content, availability, or conduct. Your use of third-party services is at your own risk.

12. Suspension and Termination

We may change, suspend, or discontinue the Services (in whole or in part) at any time. We may suspend or terminate your access for violations, fraud, abuse, or security reasons. Sections that by their nature should survive (including arbitration, limitation of liability, disclaimers, indemnification, and intellectual property) will remain in effect after termination.

13. Indemnification

To the maximum extent permitted by law, you agree to indemnify, defend, and hold harmless ShipInsure, its affiliates, officers, directors, employees, contractors, and agents from and against all claims, damages, liabilities, losses, and expenses (including reasonable attorneys’ fees) arising out of:

  • your misuse of the Services,

  • your breach of these Terms,

  • your violation of any law or the rights of a third party, or

  • your fraud or misrepresentation regarding a claim.

We may assume exclusive defense of any matter subject to indemnification at our expense, and you agree to cooperate.

14. Disclaimer of Warranties

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICES AND CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE." WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE, OR THAT DEFECTS WILL BE CORRECTED.

Some jurisdictions do not allow such exclusions to a limited extent; in those jurisdictions, the exclusions apply to the maximum extent permitted.

15. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, SHIPINSURE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, DATA, OR BUSINESS INTERRUPTION, ARISING OUT OF OR IN CONNECTION WITH THE SERVICES OR THESE TERMS, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, SHIPINSURE’S TOTAL LIABILITY FOR ANY CLAIM ARISING OUT OF OR IN CONNECTION WITH THESE TERMS OR THE SERVICES SHALL NOT EXCEED THE GREATER OF:

  • $100, OR

  • THE AMOUNT OF THE SHIPPING PROTECTION FEE YOU PAID FOR THE SPECIFIC ORDER GIVING RISE TO THE CLAIM (IF ANY),

AND IN NO EVENT SHALL EXCEED THE BENEFIT AMOUNT WE EXPRESSLY AGREE TO PAY FOR AN APPROVED CLAIM PURSUANT TO THESE TERMS.

These limitations are a fundamental basis of the bargain between the parties.

16. Dispute Resolution; Arbitration Agreement; Class Action Waiver (USA)

  • 16.1 Binding Arbitration: Except for the exceptions noted below, you and ShipInsure agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Services will be resolved by binding individual arbitration, and not in court. The Federal Arbitration Act governs this arbitration agreement.

  • 16.2 Exceptions: Either party may: (a) bring qualifying claims in small claims court, and only on an individual basis; and (b) seek injunctive or equitable relief in court to prevent the actual or threatened infringement, misappropriation, or violation of a party’s intellectual property rights.

  • 16.3 Arbitration Rules and Governing Law: The arbitration will be conducted by the American Arbitration Association (AAA) under its Consumer Arbitration Rules then in effect, unless otherwise agreed by the parties. The arbitration will take place in the county of your residence (or via remote means, if agreed), unless otherwise required by law.

  • 16.4 Costs and Fees: Fees will be allocated according to AAA Rules and applicable law. The arbitrator may award any relief permitted by law on an individual basis.

  • 16.5 Class Action Waiver: YOU AND SHIPINSURE AGREE THAT EACH PARTY MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, OR REPRESENTATIVE PROCEEDING. If this class action waiver is found to be unenforceable, then the entirety of this arbitration agreement shall be null and void to the extent required by such ruling.

  • 16.6 Opt-Out: You may opt out of arbitration by emailing support@shipinsure.io within 30 days of first accepting these Terms, providing your name, email address used for the order/account, and a clear statement that you wish to opt out of arbitration. Opting out will not affect any other provisions.

17. Governing Law

These Terms and any disputes not subject to arbitration shall be governed by the laws of the State of Delaware, without regard to its conflict of laws provisions, except that the FAA shall govern arbitration, as set forth above. The U.N. Convention on Contracts for the International Sale of Goods (CISG) shall not apply.

18. Notices; Electronic Communications

You consent to receive communications electronically (e.g., email, portal messages, website postings). Electronic communications satisfy legal requirements that such communications be in writing.

  • Notice to ShipInsure: legal@shipinsure.io (and any other method of notice posted on the website).

  • Notice to You: the email address you provide or use for the order/claim.

19. Miscellaneous

  • Assignment: You may not assign these Terms without our consent. We may assign them freely.

  • Severability: If any provision is unlawful or unenforceable, the rest will remain in effect.

  • No Waiver: Failure to enforce any provision is not a waiver.

  • Entire Agreement: These Terms (and policies referenced herein) constitute the entire agreement between you and ShipInsure regarding the Services.

  • Headings: For convenience only and do not affect interpretation.

20. Contact

Questions about these Terms or shipping protection: support@shipinsure.io