Shipping insurance

Shipping insurance is a financial protection that reimburses the declared value of a package in case of loss, theft, or damage during transit. However, it's crucial to understand the difference between true insurance and carrier liability. While carriers like FedEx or UPS offer "declared value," this is often capped and places the burden of proof entirely on you. In our experience, using a specialized third-party provider like Secursus is the only way to guarantee a full, fast reimbursement without the usual bureaucratic headaches.

Yes, shipping insurance is highly recommended for high-value packages because it covers the full retail value against loss, theft, or damage. Think of it this way: relying solely on carrier liability is risky because it is often limited to $100. With Secursus, you are't just buying a policy, you are protecting your bottom line and ensuring that a valuable lost package doesn't become a financial disaster for your business.

You can find coverage directly from major insurers, from carriers, or from specialized insurance companies. However, to get the best rates, we recommend avoiding middlemen who resell protection with a high markup. Secursus stands as a direct, premium alternative to companies like UPS Capital (InsureShield), Shipsurance, Route, U-PIC or Extend, offering shipping protection for high-value shipments without requiring volume commitments.

Route is primarily an integrated e-commerce solution focused on low-value consumer goods, whereas Secursus is a specialized broker for high-value and high-risk items. If you are shipping clothes, Route is fine. But if you are shipping expensive items such as watches, jewelry, or fine art, Secursus is built for you. We offer significantly higher limits ($120,000) and competitive terms specifically designed for professional resellers.

The Secursus protection is valid for virtually all express carriers, including FedEx, DHL, USPS, UPS, Canada Post, Australia Post, Royal Mail, and many more. The most important rule to remember is this: always choose a shipping method that requires a signature upon delivery. That signature is your golden ticket to verify the delivery was successful. Without it, proving a loss becomes much more complex.

Shipping Insurance (or Parcel Insurance) covers packages sent via standard carriers like UPS or FedEx. Cargo Insurance is designed for freight, but the definition varies by region. In the US, "Cargo Insurance" commonly refers to Motor Truck Cargo coverage for goods transported by road. Internationally, it refers to massive shipments transported by sea or air. Think of it this way: Shipping Insurance protects a single box, whereas Cargo Insurance is for a full truckload or an entire ocean container.

Yes, Secursus offers streamlined solutions for high-volume shippers, including bulk insuring via drag-and-drop files and dedicated APIs. If you are running an e-commerce business, you shouldn't be filling out forms manually. Our API and webhooks integrate directly into your software to automate the whole process.

To add protection to your package, simply sign up and fill out our quick online form with the tracking number and item value. It’s designed to be fast. Once you see the confirmation, you're covered. Just make sure to read our terms beforehand so you know exactly how we protect you.

While not always mandatory for small items, signature confirmation is required for high-value goods above $200. This is for your protection as much as ours. The carrier's proof of delivery (POD) is the only way to indisputably prove that a package arrived—or didn't—in the event of a claim.

Yes, you must accurately declare the contents to the carrier for customs and legal reasons. However, here is a pro tip: keep your external packaging completely neutral. Never write "Jewelry inside" or stick a brand logo on the box. You want to be transparent with the carrier, but invisible to potential thieves.

There is one simple rule: If the carrier accepts it, we will insure it. You have to read the fine print of the carrier’s conditions to find out if they are able to transport your package. As these rules differ from one carrier to another, do your due diligence and always double check with the carrier directly.

The cost is calculated based on a small percentage (between 0.5% and 4%) of the item's declared value. For example, with a 0.5% rate, insuring a $10,000 package will cost just $50. This contrasts with carriers that often rely on outdated pricing models (like DVU), charging a cumulative fee for every $100 of declared value. Unlike these traditional providers who may also fluctuate rates based on destination or season, Secursus offers competitive and fixed rates. This means you can predict your shipping costs accurately no matter where your package is going and what’s in it.

Yes, Secursus explicitly covers high-value electronics including mobile phones, laptops, and computer equipment. We know that many standard policies exclude these items because they are "high risk," but we don't. We provide full coverage for your tech, provided you follow our simple packaging guidelines.

Yes, Secursus explicitly covers used, refurbished and second-hand items. We understand the resale market better than most, that's why our insurance compensates the item for its latest resale or market value, ensuring you get a full financial recovery even if the item wasn't "brand new."

3rd party shipping insurance generally excludes items damaged due to insufficient packaging, seizure by customs, or fraudulent declarations. It comes down to common sense: if you pack your item securely and declare it honestly, you are covered. We just can't cover negligence, like throwing a vase in a box without bubble wrap.

Immediately take detailed photos of the damaged packaging and the item inside, and do not throw the packaging away. This is the most common mistake people make. The box is your evidence. Once you have the photos, open a claim on your Secursus dashboard right away.

The most crucial document is the Proof of Value, such as a sales invoice or retail receipt, clearly showing the item's cost. Getting this to us quickly is the key to unlocking our 72-hour payout guarantee. The sooner we verify the value, the sooner you get paid.

Once the proper documentation is uploaded, our team usually processes the claim within a few hours, and payments are made within 72 hours. We pride ourselves on speed. Unlike carriers who can drag investigations out for months, we know that cash flow is vital for your business.

For most services, Secursus requires clients to initiate the claim process within 14 days of the shipping date if the package has not arrived. Don't wait forever hoping it will turn up. If it's late, let us know so we can start the process while the trail is still fresh.

Coverage begins the moment the package is officially handed over to the carrier and ends upon successful delivery and signature at the recipient's address. It effectively covers the entire chain of custody, giving you door-to-door peace of mind.

Yes, individuals can subscribe to Secursus protection under certain conditions. Since fraud is more common with individual shipments, we have a validation procedure in place. Just contact us to verify your account, and you can enjoy the same protection as professional shippers.

Our coverage is secondary, which means it pays the true value of your item regardless of the carrier's internal claim status. You do need to file a claim with the carrier first, but you don't have to wait for them to pay out. We step in to ensure you are compensated fully and quickly.