Shopify Shipping Insurance: What Shopify Includes and How to Insure Every Order
Shopify includes some shipping insurance on its own labels, and sells more up to $5,000. For a store that buys every label in the Shopify admin and sells mostly low value orders, that can be enough. For a store that ships through a 3PL, a shipping app or its own carrier accounts, sells above $5,000, or simply does not want to tick a box on every label, it leaves gaps. This guide sets out what Shopify covers, where it stops, and how our Shopify connector insures every order you sell automatically with shipping insurance that follows the order, not the label.
Quick answer
- Shopify includes up to $200 of insurance per eligible label bought in the Shopify admin, on the Grow, Advanced or Plus plan with Shopify Payments.
- You can buy more, up to $5,000 per label: $0.89 per $100 for domestic shipments, $1.29 for international.
- Labels bought outside Shopify, values above $5,000 and shipments from outside the United States are not covered by that program.
- The Secursus connector uses a Shopify webhook: every order sold on your store is sent to us and insured automatically for its total excluding shipping, with any carrier that provides tracking, from 0.7% depending on volume, with no $100 increments and no minimum fee.
Shopify terms checked on the Shopify Help Center in November 2026.
What Shopify Shipping insurance covers
Shopify's insurance on shipping labels is administered by Shipsurance, not by Shopify, and Shipsurance also handles the claims.
| Feature | Shopify Shipping insurance |
|---|---|
| Included cover | Up to $200 per eligible label, with Shopify Payments on the Grow, Advanced or Plus plan |
| Extra cover | Up to $5,000 per label, bought in $100 increments |
| Price of extra cover | $0.89 per $100 domestic, $1.29 per $100 international |
| Eligible shipments | Labels bought in the Shopify admin, shipped from the United States |
| Not eligible | USPS First Class Mail; UPS shipments to Puerto Rico |
| Claims | Filed from the order in the Shopify admin, from 24 hours after shipping and up to 120 days after the ship date |
| Claim amount | Never more than the cover bought |
If the carrier also provides cover on the label, Shopify asks you to claim through its insurance administrator, not the carrier.
How to add shipping insurance on Shopify
- From your Shopify admin, go to Orders and open the order you want to ship.
- In the Unfulfilled section, click Create shipping label.
- Find the Shipping insurance section. If insurance is included, it shows as included; to add more, select Insure full shipment value or Insure custom amount. If you are not eligible for included insurance, enter the amount of cover you want.
- Buy the label. Purchased cover is added in $100 increments, at $0.89 per $100 domestic or $1.29 per $100 international.
To cancel the insurance, void the unused label within 30 days of purchase. You can then no longer file a claim on it, and the premium comes back as a credit usable only on future insurance purchases.
Where Shopify's insurance stops
| Situation | What happens |
|---|---|
| You print labels in a shipping app, through a 3PL or on your own UPS, FedEx or DHL account | The order is outside the program: its labels were not bought in Shopify |
| An order is worth more than $5,000 | Shopify's cover stops at $5,000 per label |
| You ship from Canada, Europe or anywhere outside the United States | US-origin shipments only |
| You forget to add cover to a label above $200 | Only the included $200 applies, if your plan includes it |
| A shipment is split across several labels | Each label is insured separately, and included cover does not stack across services |
None of this makes the program bad. It means it insures labels, and a growing store often stops buying all of its labels in one place.
Shipping protection apps are something else
Many Shopify apps sell "shipping protection" or "package protection": the customer pays a small fee at checkout, and the app reships or refunds if the order is lost. The customer pays, the app decides, and the fee is visible at checkout. Shipping insurance is cover the merchant buys on goods in transit. Our article on whether shipping protection is worth it compares the two models in detail.
How the Secursus Shopify connector works
The connector relies on a standard Shopify feature: webhooks, which let your store send order data to another service the moment an event happens.
- In your Shopify admin, go to Settings > Notifications > Webhooks and click Create webhook.
- Choose the event and enter the destination URL that Secursus gives you, in JSON format, then save. The Send test option confirms that we receive the data.
- From then on, every order sold on your store reaches Secursus with its value, its items and the delivery address, and is insured automatically for the order total, excluding shipping costs. Nobody has to tick a box on a label.
Your orders keep shipping the way they do today: Shopify labels, a shipping app, a 3PL, your own carrier accounts, with any carrier that provides tracking. The insurance follows the order, not the label.
| Shopify included cover | Shopify extra cover | Secursus connector | |
|---|---|---|---|
| Which orders | Labels bought in Shopify | Labels bought in Shopify, chosen one by one | Every order sold on your store |
| Carrier and label source | Shopify labels | Shopify labels | Any carrier with tracking, any label source |
| Maximum value | $200 | $5,000 | $120,000, or $230,000 for professional shippers using only FedEx, DHL or UPS with a signature |
| Price | Included in eligible plans | $0.89 per $100 increment | From 0.7% of the exact value, depending on volume |
| Manual step | None | One per label | None after setup |
| Claims | Insurance administrator, from the Shopify admin | Insurance administrator, from the Shopify admin | Secursus, online |
Secursus is an insurance intermediary: we place shipping insurance with established insurers, and more than 40,000 customers use it.
What the connector costs
Orders insured through the Shopify connector are charged a percentage of their exact value, which is the order total excluding shipping costs, starting at 0.7% depending on your monthly volume. There is no minimum fee and no rounding up to the next $100: at 0.7%, a $120 order costs $0.84 to insure, where cover bought in $100 increments would be charged for $200, or 2 x $0.89 = $1.78.
For a store insuring more than 100 orders a month, at 0.7%:
| Order value | Shopify extra cover ($0.89 per $100 increment) | Secursus connector (0.7%) |
|---|---|---|
| $120 | $1.78 | $0.84 |
| $350 | $3.56 | $2.45 |
| $1,250 | $11.57 | $8.75 |
| $2,050 | $18.69 | $14.35 |
| $5,000 | $44.50 | $35 |
| $8,000 | Not available above $5,000 | $56 |
| 150 orders a month at $350 | $534 a month | $367.50 a month |
Shopify prices for domestic extra cover, from the Shopify Help Center in November 2026. Shopify's included cover of up to $200 on eligible labels is not counted in this table.
The gap is largest on orders just above a round hundred. Above $5,000, only the connector insures the order.
What our cover requires
| Requirement | Why |
|---|---|
| A sale shipped directly to the customer | Cover ends at delivery; theft after delivery is not covered |
| A tracking number on every shipment | The connector works with any carrier that provides tracking |
| A signature on delivery for valuable orders | Unsigned deliveries are covered up to $200 only |
| Goods the carrier accepts to carry | We cover what the carrier transports, even when it limits its own liability |
| An invoice for each order | It proves the value of the goods shipped |
Scratches, scuffs and other cosmetic damage are not covered. Our proof of value guide lists the documents we accept.
Filing a claim on a Shopify order
With the connector, every order is already registered with us. If a parcel is lost or arrives damaged, open a claim online within 14 days of the shipping date, and no later than 3 days after the scheduled delivery date. Ask the customer for photos of the box and the contents before anything is thrown away. Complete files are reviewed within 72 hours max and paid within 48 hours, so you can reship or refund the customer without waiting on the carrier. Our guide to lost or stolen packages explains what each carrier asks for.
Example: a jewelry store shipping through a 3PL
This is an illustrative example. A jewelry store on Shopify ships about 400 orders a month through a 3PL that prints UPS labels on its own account. Most orders are between $150 and $900, and a few engagement rings sell for $6,000 to $9,000. Because the labels are not bought in Shopify, none of these orders are covered by Shopify's program, and the rings would exceed its $5,000 limit anyway. The store connects Secursus through a webhook, and every order is insured as soon as it is sold, rings included, with a signature required on the high value orders. When a $780 necklace disappears between the 3PL and the customer, the store opens the claim online with the Shopify order and the tracking number, and reships the same week.
For more on the tools many Shopify stores use to print labels, see our ShipStation guide, and for API or platform integrations, our ecommerce insurance page.
FAQ: Shopify shipping insurance
Does Shopify include shipping insurance? Yes, up to $200 per eligible label bought in the Shopify admin, if you use Shopify Payments on the Grow, Advanced or Plus plan.
How do I add shipping insurance on Shopify? When buying a label in the Shopify admin, add cover up to $5,000 for $0.89 per $100 domestic or $1.29 per $100 international. To insure every order automatically, whatever the label source, connect Secursus through a webhook.
Does Shopify insurance cover labels bought outside Shopify? No. Shopify's program applies to labels bought in the Shopify admin. Orders shipped with labels from an app, a 3PL or your own carrier account need separate insurance.
Can I insure Shopify orders above $5,000? Not through Shopify's program. Secursus covers up to $120,000, or $230,000 for professional shippers who use only FedEx, DHL or UPS with a signature.
Is shipping protection the same as shipping insurance? No. Shipping protection is usually a fee paid by the customer at checkout to an app that decides on reshipping or refunds. Shipping insurance is cover bought by the merchant on goods in transit.
How much does the Secursus Shopify connector cost? From 0.7% of the order total excluding shipping, depending on your monthly volume, with no minimum fee and no rounding to the next $100. At 0.7%, a $120 order costs $0.84 to insure and a $1,250 order $8.75.
Do I need an app to connect Secursus to Shopify? No. The connector uses Shopify's built-in webhooks, created in Settings > Notifications > Webhooks.
Does the connector work with any carrier? Yes, any carrier that provides tracking. It insures the order, so the label source does not matter, as long as the carrier accepts to carry the goods.
What if a customer's order is delivered without a signature and stolen from the porch? Our cover ends at delivery, so theft after delivery is not covered, and unsigned deliveries are covered up to $200 only. Require a signature on valuable orders.
Sources
- Shopify Help Center: Shipping insurance for your shipping labels
- Shopify Help Center: Submitting shipping claims
- Shopify Help Center: Webhooks
- Shopify Blog: Shopify introduces included shipping insurance
This article was written by Valentin Scemama, expert in insurance and logistics.
