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ShipInsure Terms & Conditions

ShipInsure, Inc. Terms & Conditions of Use

Last Updated: 02/18/2026

These Terms & Conditions of Use (“Terms”) govern your access to and use of shipinsure.io (the “Site”), ShipInsure’s checkout add-on/embedded widget (the “Widget”), the ShipInsure claims portal (the “Portal”), and any related tools, software, and services we make available (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 placed with participating merchants (each, a “Merchant”).

IMPORTANT NOTICE REGARDING ARBITRATION (U.S. USERS): These Terms include 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, not in court.

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1. Acceptance of These Terms

By accessing or using the Services, clicking to accept, purchasing Shipping Protection, filing a claim, or otherwise using the Services, you agree to these Terms and acknowledge you have read and understand them.

If you do not agree, do not use the Services.

If you are using the Services on behalf of an entity, you represent you have authority to bind that entity, and “you” refers to both you and the entity.

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2. Who These Terms Apply To

These Terms apply to:

  • End Users/Consumers: individuals purchasing goods from a Merchant and optionally purchasing Shipping Protection for an order (“End User”).

  • Other Site visitors.

If you are a Merchant (or acting for one), your use of ShipInsure’s merchant-facing services is governed by a separate written agreement (e.g., master services agreement/order form). Those terms control in the event of a conflict.

 

3. Changes to These Terms

We may update these Terms from time to time. The “Last Updated” date reflects the latest revision. 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 Site). By using the Services, you consent to our data practices as described there.

 

5. The Services and Merchant Relationship

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 language shown to shoppers, product eligibility, and the items sold.

5.2 Not the Seller of Goods

ShipInsure does not sell, ship, or fulfill the goods you purchase from a Merchant. The purchase contract for goods is between you and the Merchant.

5.3 Optional Nature

Unless a Merchant provides it to you at no additional charge, Shipping Protection is optional. You may choose to obtain protection from other sources or not 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 if a covered shipment experiences certain covered events during transit or after delivery as described below.

Shipping Protection is not a warranty for the Merchant’s product quality, and it is not a substitute for the Merchant’s return policy.
Shipping Protection is not insurance sold to you by ShipInsure. Any insurance-related arrangements, if any, are solely between ShipInsure and its third-party counterparties, and you are not an insured or additional insured under any policy unless expressly stated 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 that occurred during shipment),

  • Delivered-not-received events (including theft after delivery where applicable).

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

6.3 Exclusions

Shipping Protection does not cover, and no benefit will be paid for, losses relating to:

  • Merchant or carrier service failures not tied to physical loss/damage/theft (e.g., delays, missed delivery windows) unless expressly covered for your transaction;

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

  • Fraud, collusion, or misrepresentation;

  • Seizure by authorities, contraband, sanctions violations, or illegal goods;

  • Items prohibited or restricted by law, regulation, carrier rules, or Merchant policy;

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

We may also exclude categories that pose elevated risk (for example: cash equivalents, certain precious items, perishables, live animals, etc.) and eligibility may vary by Merchant.

6.4 Coverage Limits

Unless otherwise disclosed for your transaction:

  • Maximum benefit is the Declared Value of the eligible item(s) in the covered 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 checkout disclosures specify a different basis.

If your order exceeds the limit, benefits are capped at the applicable limit.

6.5 When Coverage Applies

Shipping Protection generally applies from the time the shipment enters transit and ends upon delivery (or other termination of transit), subject to delivered-not-received windows and claim filing rules.

6.6 Claims Process and Timing

You must file a claim through the Portal using the link/instructions provided for your order and provide the information we request.

Unless otherwise disclosed for your transaction:

  • Delivered-not-received: file no earlier than 5 days after the carrier marks “delivered,” and no later than 30 days after delivery.

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

  • Damaged: file within 30 days of delivery and provide photographs 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 denial.

6.7 Remedies (Replacement, Repair, Refund)

If a claim is approved, the remedy may be:

  • Replacement (including reorder), or

  • Repair, or

  • Refund / reimbursement,

as determined by ShipInsure in coordination with the Merchant’s fulfillment/refund capabilities and policies, and subject to the 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 we reasonably believe are fraudulent, abusive, or unsupported.

6.9 Chargebacks and Duplicate Recovery

If you experience a covered event, you agree to pursue the Shipping Protection claim process before filing a chargeback for the same loss with your payment provider.

If you file or pursue a chargeback before a claim is completed, we may, at our discretion, limit your remedy to a refund of the Shipping Protection fee (if any) and treat that as full satisfaction of our obligations.

If you receive compensation from a Merchant, carrier, or third party for the same loss, you may not recover duplicative amounts. We may reduce or claw back 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 from carriers or other third parties, and you agree to assist (including by signing documents reasonably required), and to transfer 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, deny Shipping Protection, void coverage for specific orders, or limit benefits where we determine that an End User, order, address, or pattern poses an unacceptable risk of loss or abuse. If we void 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 issues,

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

ShipInsure is not responsible for Merchant goods/services, fulfillment, 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 credentials secure. You are responsible for activity under your account.

We may suspend, restrict, or terminate accounts to prevent fraud, abuse, or security risks.

 

9. Prohibited Uses

You agree you will not:

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

  • scrape, crawl, or reverse engineer the Services,

  • submit malware or interfere with operations,

  • submit false, misleading, or fraudulent claim information,

  • use the Services to build a competing product,

  • violate applicable laws.

 

10. Intellectual Property; Feedback

The Services, including software, interfaces, text, graphics, and trademarks, are owned by ShipInsure or 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 feedback, you grant us the right to use it without restriction or compensation.

 

11. Third-Party Services

The Services may link to or integrate with third-party sites/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 modify, suspend, or discontinue the Services (in whole or part) at any time. We may suspend or terminate your access for violations, fraud, abuse, or security reasons.

Sections intended to survive (including arbitration, limitation of liability, disclaimers, indemnity, and IP) will survive termination.

 

13. Indemnification

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

  • your misuse of the Services,

  • your violation of these Terms,

  • your violation of laws or third-party rights,

  • your fraud or misrepresentation in connection with a claim.

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

 

14. Disclaimers

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 limit these disclaimers; in those jurisdictions, disclaimers apply to the fullest extent permitted.

 

15. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, SHIPINSURE WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST DATA, OR BUSINESS INTERRUPTION, ARISING OUT OF OR RELATED TO THE SERVICES OR THESE TERMS, EVEN IF ADVISED OF THE POSSIBILITY.

TO THE FULLEST EXTENT PERMITTED BY LAW, SHIPINSURE’S TOTAL LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICES WILL NOT EXCEED THE GREATER OF:

  • $100, OR

  • THE AMOUNT OF THE SHIPPING PROTECTION FEE PAID BY YOU FOR THE SPECIFIC ORDER GIVING RISE TO THE CLAIM (IF ANY),
    AND IN ALL CASES WILL NOT EXCEED ANY BENEFIT AMOUNT WE EXPRESSLY AGREE TO PAY FOR AN APPROVED CLAIM UNDER THESE TERMS.

These limitations are a fundamental basis of the bargain.

Some jurisdictions do not allow certain limitations; in such jurisdictions, liability is limited to the maximum extent permitted.

 

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

16.1 Binding Arbitration

Except for the exceptions 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:

  • bring qualifying claims in small claims court, on an individual basis only; and

  • seek injunctive or equitable relief in court to prevent infringement or misappropriation of intellectual property rights.

16.3 Arbitration Rules and Venue

Arbitration will be administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules then in effect, unless the parties agree otherwise.

The arbitration will take place in the county where you reside (or remotely if agreed), unless otherwise required by law or agreed by the parties.

16.4 Costs and Fees

Fees will be allocated under the 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 MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, OR REPRESENTATIVE PROCEEDING.

If this class waiver is found unenforceable, then the arbitration agreement will be null and void to the extent required by that ruling.

16.6 Opt-Out

You may opt out of arbitration by sending an email to support@shipinsure.io within 30 days of first accepting these Terms, with your name, the email used for the order/account, and a clear statement that you want to opt out of arbitration. Opting out will not affect any other provisions.

 

17. Governing Law

These Terms and any dispute not subject to arbitration will be governed by the laws of the State of Delaware, without regard to conflict of law principles, except that the FAA governs arbitration as stated above.

The U.N. Convention on Contracts for the International Sale of Goods does not apply.

 

18. Notices; Electronic Communications

You consent to receive communications electronically (e.g., email, portal messages, postings on the Site). Electronic communications satisfy legal requirements for written notice.

Notice to ShipInsure: legal@shipinsure.io (and any additional notice method posted on the Site).
Notice to You: the email address you provide or used for the order/claim.

 

19. Miscellaneous

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

  • Severability: If a provision is unlawful or unenforceable, the rest remains effective.

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

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

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

 

20. Contact

Questions about these Terms or Shipping Protection: support@shipinsure.io

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