Built for Shopify merchants
Insurrl checks every order against your policy and carrier terms before it ships, tags the risky ones, and tells you when the rules change.
We don't sell insurance or take commission.
Shopify 10:42 AM
New order #1042: diamond stud earrings, $1,240, ships UPS Ground.
Insurrl AGENT 10:42 AM
Checked #1042 against your ShipStation (ParcelGuard) terms:
| Check | Result | Action |
|---|---|---|
| Jewelry over $500 | Signature required | Tagged adult signature |
| Packaging | Must not reveal contents | Added packing note |
| Insurance | Worth insuring | Above carrier's $100 |
“Jewelry … with a value of $500.00 or more must be sent with the direct or adult Signature Confirmation Service provided by the carrier” ParcelGuard terms · Signature Confirmation Service
Without the signature, a lost-parcel claim on this order would pay nothing.
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US insurance and carrier programs read
7,700+
clauses extracted from policies, carrier terms, and law
59
policy edition changes tracked
ParcelGuard needs a signature on jewelry from $500. Shippo, from $250. Miss it and the claim pays nothing.
ParcelGuard$500+Shippo$250+Routeexcl. over $1,500Jewelry signature and limit rules
UPS can suspend its delivery guarantee “without prior notice”. ParcelGuard rewrote its terms on 23 Jul 2026.
− televisions, monitors, screens
+ packaging rule no longer applies to damage
ParcelGuard terms, 23 Jul 2026
A card chargeback and an insurance or reship claim on the same order. Nobody connects the two.
Chargeback$240Reship claim$240Same order, you pay twice
Read items, value, and destination.
Score it against your history and your policy rules.
Require a signature, hold it, or let it ship.
Decide if this parcel needs insurance at all.
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Catch a chargeback and a claim on the same order.
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ParcelGuard terms, effective 23 Jul 2026
“Laptop computers (including tablets computers, iPads, and similar electronics) must be sent with the direct or adult Signature Confirmation Service provided by the carrier”
Conditions: Signature Confirmation Service
Ship without signature and a loss claim pays nothing.
ParcelGuard terms, effective 23 Jul 2026
“Mobile telephones (including cell phones, smart phones, and similar) must be sent with the direct or adult Signature Confirmation Service provided by the carrier”
Conditions: Signature Confirmation Service
Same rule as laptops.
ParcelGuard terms, effective 23 Jul 2026
“Jewelry (includes necklaces, earrings, watches, rings, bracelets, broaches, etc.) with a value of $500.00 or more must be sent with the direct or adult Signature Confirmation Service provided by the carrier”
Conditions: Signature Confirmation Service
Watches count as jewelry here.
CNA master policy, Endorsement 1, Jul 2026
“For claims for Parcels containing over $250 in jewelry/watches or containing laptops, LCDs, TVs that have not been sent through a delivery service requiring a physical signature and including a Tracking Number.”
Endorsement 1, s.8(d), listed under what the policy will not pay
Laptops are also capped at $5,000 per parcel.
CNA master policy, Endorsement 1, Jul 2026
No clause found for phones.
Searched the master policy and endorsements we hold
General terms apply. Your certificate may add conditions, which the free check will confirm.
CNA master policy, Endorsement 1, Jul 2026
“For claims for Parcels containing over $250 in jewelry/watches or containing laptops, LCDs, TVs that have not been sent through a delivery service requiring a physical signature and including a Tracking Number.”
Endorsement 1, s.8(d), listed under what the policy will not pay
Branded or descriptive packaging is excluded too. Capped at $5,000 per parcel.
U-PIC US coverage details
“Accounts, bills, bullion, currency, deeds, evidence of debt, furs, jewelry, original/fine art, computer chips, money, notes, securities, perishable cargo, loose precious/semi-precious stones, televisions, tickets, laptop computers, cellphones, personal goods, or similar property unless endorsed in writing.”
Coverage details: Coverage does not insure
Ask U-PIC for a written endorsement before you ship.
U-PIC US coverage details
“Accounts, bills, bullion, currency, deeds, evidence of debt, furs, jewelry, original/fine art, computer chips, money, notes, securities, perishable cargo, loose precious/semi-precious stones, televisions, tickets, laptop computers, cellphones, personal goods, or similar property unless endorsed in writing.”
Coverage details: Coverage does not insure
Ask U-PIC for a written endorsement before you ship.
U-PIC US coverage details
“Accounts, bills, bullion, currency, deeds, evidence of debt, furs, jewelry, original/fine art, computer chips, money, notes, securities, perishable cargo, loose precious/semi-precious stones, televisions, tickets, laptop computers, cellphones, personal goods, or similar property unless endorsed in writing.”
Coverage details: Coverage does not insure
Ask U-PIC for a written endorsement before you ship.
Route policy summary, edition 26-1
“are insured against "All Risks" of physical loss or damage from any external cause, except for the exclusions listed below. However, the limit of liability for any one shipment shall not exceed $2,500.”
Special commodity: laptop, tablet computers, mobile/smart phones or watches
An order worth more than $2,500 is only partly protected.
Route policy summary, edition 26-1
“are insured against "All Risks" of physical loss or damage from any external cause, except for the exclusions listed below. However, the limit of liability for any one shipment shall not exceed $2,500.”
Special commodity: laptop, tablet computers, mobile/smart phones or watches
An order worth more than $2,500 is only partly protected.
Route policy summary, edition 26-1
“Jewelry (valued in excess of $1,500)”
Excluded commodities (unless agreed in writing)
Watches fall under a separate $2,500 per-shipment cap.
Shippo (XCover) 3.8/5 Porch theft: Covered up to a lower limit ShipStation ParcelGuard 3.8/5 Porch theft: Covered, with conditions Shopify Shipping Insurance 3.7/5 Porch theft: Covered, with conditions Cabrella 3.6/5 Porch theft: Only with signature delivery Route 3.5/5 Porch theft: Covered, with conditions eBay ShipCover 3.3/5 Porch theft: Not covered Install the app. It tags risky orders before they ship.
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We don't sell insurance. No commission, so no reason to steer you.
Read clause by clause. From the policy wording, endorsements, and carrier terms behind more than 30 US shipping insurance and carrier-coverage programs.
When we're unsure, we say so and show you the clause.
How we handle your dataTell us what you use and what you sell. We'll show you where your policy won't pay, quoted from the policy itself.
Tell us what you ship and how you insure it. We’ll show you the gaps, quoted from your policy.