Cabrella Shipping Insurance

At a glance

Sold by

Cabrella, LLC (doing business as Cabrella Shipping Insurance Solutions) sells it through its shipping platform (TMS) and API, as a shippers' agent. Two partner programs use the same insurance summary: (1) insured same-day delivery through Shipsi, announced May 19, 2026, for shipments with origin and destination within 20 miles of each other; and (2) PSA's inbound program, announced April 27, 2026, which covers collectors' items in transit to PSA for grading, up to $150,000 per shipment, for US and Canada shipments only.

Claims handled by

The terms say Cabrella only helps you communicate with and file claims with the insurer, and disclaims liability for processing or paying claims. The insurer decides all coverage and settlement issues. The broker is Meslee Insurance Services, Inc.

Risk carried by

Navigators Insurance Company (a brand of The Hartford); in Canada, Hartford Fire Insurance Company (Admitted insurer)

Max per parcel

Set per account in the Coverage Guideline; marketing says up to $150,000 per package. Envelopes, padded packs and other non-rigid packaging are limited to $1,000 per package unless Cabrella agrees otherwise in writing.

Pays out on

Parcels: declared value, supported by memo, appraisal, invoice or other proof; shipping is included if part of the declared value. A 100% co-insurance clause cuts the payout in proportion if you declare less than full value. Freight: invoice value plus freight plus 10%.

Relationship to carrier

Not clear from the wording

Wording available

Partner terms only

The insurance summary calls Navigators Insurance Company "a United States based admitted carrier". The Hartford's insurer notice lists Navigators Insurance Company with NAIC code 42307. Our review notes that a sister company, Navigators Specialty Insurance Company, is authorized only in New York, so the exact company on your policy matters. The policy is a filing-exempt marine (shipper's interest) form, and our review did not establish whether a state guaranty fund would respond. The notice also shows it authorized in all states, the District of Columbia, Guam, Puerto Rico, and the U.S. Virgin Islands.

Does Cabrella cover porch theft?

If you choose delivery confirmation or no signature, cover ends when the carrier confirms delivery. If a signature is required but the recipient waives it, cover is void, unless you can prove you told the carrier not to allow a waiver.

Jewelry, watches, laptops, and phones

Parcel cover is mainly for cash, jewelry, valuable papers, precious metals, bullion and coins. Cover for these is excluded if the label, return label or packaging hints at the contents or value, even through a business name like "Diamond Depot". For freight, smartphones, tablets, TVs and game consoles are accepted on application only, and consumer electronics are sublimited to $200,000 per conveyance.

Signature rules

• Cabrella sets signature requirements based on the shipment's value and current risk factors. The thresholds are not public for the main program.

  “Signature requirements are set by CABRELLA and will depend on the value of the shipment and/or an assessment of current risk factors.”

• Without a signature service, cover ends at the carrier's delivery confirmation.

  “When You select "Delivery Confirmation" or no signature confirmation for delivery by any Carrier, the Carrier’s confirmation in accordance with Your selection constitutes proof of delivery and Coverage for such shipment will terminate upon delivery.”

• If the system requires a signature and the recipient waives it, cover is void, unless you prove you told the carrier not to allow a waiver.

  “In instances where a delivery signature is required by the TMS but the recipient waives the signature, Coverage for the shipment will be void.”

• At hotels, apartment complexes and buildings with a staffed lobby or community mailboxes, a signature from any staff member counts as delivery.

  “Shipments that are shipped to hotels, apartment complexes or commercial buildings with staffed lobby or community mailboxes are deemed delivered when a signature is received from any of the representatives of that location.”

• PSA inbound program: packages worth $5,000 or more must use a signature-required service.

  “Packages with contents of value equal to or greater than $5,000 must be shipped using a service that requires signature upon delivery.”

What it excludes

• Mysterious disappearance, and missing contents from sealed packages with no physical evidence of tampering

  “Mysterious Disappearance, excluding property that is missing, but there is no physical evidence to show what happened to it, for example, a shortage disclosed on taking inventory.”

• Packages dropped at unmanned points (drop boxes, lockers); cover also ends at the delivery scan when shipped to one

  “Packages dropped off for collection at unmanned collection points will not be covered.”

• Labels or packaging that reveal the nature, value or contents of precious goods

  “where the shipping label, return label, or any associated packaging markings contain any direct or indirect reference to the nature, value, or contents of the shipment.”

• Incorrect address or label

  “Any loss, damage, shortage, or non-arrival of any parcel and its contents addressed or labeled incorrectly are excluded absolutely.”

• Insufficient or unsuitable packing, including moving boxes

  “Damage to Property Insured resulting from insufficiency or unsuitability of packing or preparation of the insured property for the intended voyage. This includes any packages shipped in moving boxes not specifically designed or certified for shipping.”

• Losses after a missed first delivery attempt (recipient not available or business closed)

  “…coverage does not include any losses occurring after a delay in delivery as a result of the consignee not being available, or business closed, during initial delivery attempt.”

• Packages never scanned by the carrier as accepted

  “If a shipping label is printed but not scanned by the Carrier as accepted (or if there is no other proof of transfer of possession) it is deemed as never been mailed and there is no coverage.”

• Losses covered by other insurance you hold

  “Loss of or damage to Property Insured occurring through the operation of a peril against which, at the date of such loss or damage, the Insured has effected separate insurances”

• Restricted cargo, such as alcohol, tobacco, ammunition and prescription medicine (unless approved)

  “Dangerous goods, hazardous materials, and Restricted Cargo, i.e., parcels to which special regulations and/or laws issued by national, state, and/or local governments apply, including, but not limited to, alcohol, tobacco, ammunition, and prescription medications.”

• Theft or dishonesty by the shipper or its agents

  “Loss of or damage to the Property Insured by theft, dishonesty or deception committed by the shipper or any agent, servant, traveler or messenger on behalf of the shipper.”

• Delay or non-performance from strikes, riots, acts of God and similar causes

  “losses due to Non-performance or delay caused by labor disturbances, riots, civil authority, acts of God or means beyond the control of CABRELLA or the Carrier.”

• Electrical, electronic or mechanical derangement

  “Electrical, electronic and/or mechanical derangement of any kind…”

• Losses known or suspected before the shipment was reported for cover

  “No coverage shall be afforded under this policy for any loss, damage, or expense that the Insured was aware of, or reasonably should have been aware of, prior to the time the shipment was reported to Cabrella for coverage”

• Shipments to or from sanctioned countries (list includes Russia, Ukraine, Cuba, Iran and others)

  “Countries currently sanctioned include but are not limited to: Iran, Syria, Sudan, North Korea, Russia, Ukraine, Crimea, Cuba, Belarus, South Sudan, Democratic Republic of Congo, Somalia, Zimbabwe.”

• Non-official carrier locations (e.g. Walgreens, Staples, Mailboxes Etc.) limited to $1,000 per package

  “For packages shipped to or from Non-Official Carrier Branded Locations, Coverage is limited to $1,000.00 per package unless otherwise agreed to in writing by Cabrella.”

How and when claims pay

Cabrella labels do not let you declare a higher value with the carrier. On Cabrella's own carrier accounts, Cabrella files the carrier claim for you. The insurer relies on the carrier's finding of responsibility to help substantiate a loss, and for some users the insurer's approval depends on the carrier accepting the claim.

Deadlines

• Give notice of the claim online through Cabrella within 90 calendar days of the ship date.

  “You must complete a claim form online to provide notice of claim to the INSURER vis a vis CABRELLA’s online platform within ninety (90) calendar days from the date of shipment.”

• Provide any requested documents within one year of the ship date, or the claim is denied.

  “You will have one (1) year from the date of shipment to provide any required and/or additional documentation which has been requested to substantiate said claim.”

• Loss claims have a waiting period before adjustment: 15 days for UPS, FedEx, DHL and domestic USPS; 30 days for USPS International.

  “If the claim is for loss, CABRELLA’s waiting period before continuing with the loss adjustment depends upon the Carrier used.”

• If damage is visible at delivery, the recipient must note exceptions on the delivery receipt or refuse the package.

  “The recipient of the parcel must take proper exceptions on the delivery receipt when any loss or damage is apparent at the time of delivery. This includes refusals of acceptance if there is visible damage or tampering of the package.”

• If you used your own carrier account (not Cabrella's), give immediate notice of claim to both the carrier and Cabrella.

  “If you use non-CABRELLA shipping accounts, you must file an immediate notice of claim with the CARRIER and also file an immediate notice of claim with Cabrella”

Payment time

The wording we reviewed does not state when claims are paid.

What changed recently

• 2026-04-01 The current Cabrella Terms and Conditions took effect.

  “Effective: April 1 st , 2026”

• 2026-04-27 Cabrella was announced as PSA's exclusive insurance partner for its inbound grading shipments.

  “LOS ANGELES, April 27, 2026”

• 2026-05-19 Cabrella announced insured same-day delivery through Shipsi for shipments within 20 miles.

  “May 19, 2026”

What we couldn't confirm

• The full policy wording, policy number and endorsements are not public; the summary says to contact Cabrella for them.
• Your account's Coverage Guideline (limits, rates, special terms) is behind a login, and it overrides the public terms where it applies.
• The country tier list is published only as an image, and rates are not public.
• Producer status: the terms say Cabrella is 'not the insurer or insurance producer', but its licenses page says it holds producer licenses in all applicable states, including California license 6013282. Our review found no statement linking the two.
• Claims handling: the terms disclaim responsibility for processing or paying claims, but the claims page describes claims 'filed with, approved by, and paid for by CABRELLA'. Our review treats the terms as governing.
• Proof of loss: the claims page says you 'may be asked' to sign one, while the terms say you 'must'. The terms govern.
• Porch piracy: an electronics marketing page advertises 'coverage for delivery disputes without signature (porch pirates)', but the insurance summary ends cover at delivery confirmation when no signature is used.
• Limits: the same electronics page says both $150,000 per package and $200,000 per parcel. Marketing cites freight cover up to $1,000,000 per conveyance, while the summary caps any one freight occurrence at $750,000.
• Carrier decision: marketing says claim approval 'has nothing to do with the carrier', but the summary says the insurer relies on the carrier's determination of responsibility.
• Other insurance: marketing suggests insuring value above a jeweler's block policy, but the summary excludes losses where you have separate insurance.
• The French-language summary for Canada omits several additional coverages and exclusions found in the English version. Our review could not tell which language version governs.
• The PSA page lists HUB International as an underwriter in Canada, but our review identifies HUB as a broker, not an insurer.
• Shipsi: Cabrella's announcement says cover is automatic for members, but Shipsi's 2024 terms say insurance must be bought before a carrier is assigned. Shipsi's own liability is capped at $100 per delivery, with claims due within 72 hours of delivery. This is separate from Cabrella's 90-day insurance notice.
• PSA: cover is for inbound transit to PSA only. Labels must be generated by PSA, drop-offs must be at official carrier locations, packages worth $25,000 or more must be double-boxed, and lost-package claims can be filed after 15 days (domestic) or 30 days (international).
• Cabrella can change the insurance summary without notice and can stop selling you insurance with 14 days' written notice.

Frequently asked questions

Sources

1. Cabrella Insurance Information Summary partner_terms · Undated; retrieved 2026-10-31
2. Cabrella Insurance Information Summary and Terms and Conditions partner_terms · Effective April 1, 2026
3. Cabrella Filing Claims help · Undated (copyright 2025)
4. The Hartford Legal Notice (insurer authorization disclosures) help · As of December 31, 2025
5. Shipping Insurance for Electronics | Cabrella marketing · Accessed 2026-10-30
6. PSA Cabrella claims and insurance FAQ help · Undated; retrieved 2026-10-31
7. Cabrella Named Exclusive Insurance Partner for PSA’s Inbound Shipping Program marketing · April 27, 2026
8. Cabrella Becomes First Shipping and Insurance Program to Offer Insured Same-Day Delivery for Luxury Goods marketing · May 19, 2026

Insurrl doesn't sell insurance and isn't paid by any insurer. This page summarizes published wording; your own certificate, schedule, or account terms can change the result.