Easyship Premium Insurance (by InsureShip)
What it covers, what it excludes, and how claims pay. Quoted from the wording.
Wording reviewed October 2026 · 7 sources
Quick answer
Easyship's insurance is provided by InsureShip, which handles all claims; Easyship says it is not an insurance company. It covers loss or damage from external causes while the carrier has the package, pays invoice value up to $10,000 per shipment, and excludes anything lost, stolen or damaged after the package is marked delivered. Laptops, TV and computer screens, fine art, loose stones, bullion and perishables are excluded.
- Wording you can read Partner terms only; policy not public
- Who carries the risk Insurer not named in the wording
- Porch theft Not covered
- High-value goods Covered up to a lower cap
- Pays without the carrier Not stated in the wording
- Claim rules Deadlines stated, payment time not
At a glance
- Sold by
- Easyship sells it as an add-on when you buy a label on its platform, and through an insurance API for labels bought elsewhere (the API needs an updated contract with Easyship).
- Claims handled by
- Online Shipping Insurance Services, Inc. DBA InsureShip, Los Angeles, CA, License #0G55434
- Risk carried by
- "The Navigators Group and The Hartford" (as named; no issuing insurer identified) (Insurer not named in the wording)
- Max per parcel
- $10,000 per shipment (item plus shipping cost)
- Published price
- From 1% of shipment value (domestic) and 1.5% (international), minimum $0.49 (help-center figure)
- Pays out on
- Invoice value; repair cost if the item can be repaired; actual cash value (replacement cost minus depreciation) if there is no invoice.
- Relationship to carrier
- Not clear from the wording
- Wording available
- Partner terms only
The terms name a holding company and a brand, not a specific insurance company. The policy and any Easyship endorsement are not public, so our review could not confirm who bears the risk or whether it is admitted or surplus lines.
“Easyship Insurance is provided by InsureShip and backed by The Navigators Group and The Hartford, both rated A+ “Excellent” by A.M. Best.”
Does Easyship cover porch theft?
Anything lost, stolen or damaged after the shipment is marked delivered is excluded.
“Once a shipment is marked as delivered, any loss, theft, or damage occurring thereafter is excluded from the policy.”
Jewelry, watches, laptops, and phones
Jewelry is not on the excluded list (the precious-metals exclusion does not apply to jewelry, and only stones not set in jewelry are excluded), so it falls under the $10,000 cap. Laptops and TV/computer screens are excluded. Mobile phones and watches are not named.
“Precious Metals : High-value metals such as gold, silver, platinum, or palladium. Example : Gold bars or silver ingots. Note : This exclusion does not apply to jewelry containing these metals.”
What it excludes
Loss, theft or damage after delivery
“Once a shipment is marked as delivered, any loss, theft, or damage occurring thereafter is excluded from the policy.”
Insurance Terms & Conditions (Easyship) · Excluded Causes: Stolen or Damaged Parcels Post-Delivery Laptops, TVs and computer screens, computer chips and memory devices
“Laptop Computers : Portable personal computers. Example : A MacBook or Dell laptop.”
Insurance Terms & Conditions (Easyship) · Items Not Covered by Insurance Fine art (unique or one-of-a-kind pieces)
“Fine Art : Unique or one-of-a-kind artworks, including paintings, sculptures, and drawings.”
Insurance Terms & Conditions (Easyship) · Items Not Covered by Insurance Personal (non-commercial) goods
“Personal Goods : No coverage applies to any items intended for personal, household, or non-commercial use, regardless of how they are described or the account under which they are shipped.”
Insurance Terms & Conditions (Easyship) · Items Not Covered by Insurance Perishables, fresh food, flowers, live animals
“Perishables : Items with a limited shelf life that can spoil or decay.”
Insurance Terms & Conditions (Easyship) · Items Not Covered by Insurance Government or customs action, including return to sender by authorities
“the insurance does not cover situations caused by government or public authority actions, such as delivery delays, confiscation, destruction of goods, or shipments returned to the sender.”
Insurance Terms & Conditions (Easyship) · Policy Coverage Terms intro Poor packaging and descriptive labels
“Loss, damage, or non-arrival of any parcel due to it being addressed, wrapped, or packed insufficiently, incorrectly, or not in accordance with the packaging requirements of the carrier being used.”
Insurance Terms & Conditions (Easyship) · Excluded Events/Perils Listed countries and OFAC embargoes
“Afghanistan Angola Bolivia Burma Iran Iraq Congo Ivory Coast Lebanon Liberia Libya Nigeria North Korea Paraguay Somalia Syria Zimbabwe Venezuela Russia Ukraine”
Insurance Terms & Conditions (Easyship) · Countries Not Covered by Insurance Undeclared parcels or items
“If multiple parcels are shipped and only a portion of them is declared for insurance, only the declared parcels are covered.”
Insurance Terms & Conditions (Easyship) · Coverage Limitation
How and when claims pay
Easyship's terms do not say the cover is excess of, or depends on, the carrier's liability; you file with Easyship, and after paying, the underwriters can recover from any liable party.
“Upon payment, the Underwriters gain the right to recover the claim amount from any liable parties.”
Deadlines
File within 90 calendar days of the ship date.
“Claims must be filed within 90 calendar days from the date of shipment.”
Insurance Terms & Conditions (Easyship) · Time to File Claims and Guidelines For lost shipments, wait 20 calendar days (domestic) or 30 calendar days (international) after the last tracking update before filing.
“Domestic Shipments : File after 20 calendar days from the last tracking update. International Shipments : File after 30 calendar days from the last tracking update.”
Insurance Terms & Conditions (Easyship) · Time to File Claims and Guidelines: Lost Shipments Damage claims can be filed as soon as the damage is found.
“Damaged Shipments : Claims for damaged items can be filed immediately upon discovery.”
Insurance Terms & Conditions (Easyship) · Time to File Claims Keep the damaged item and its box and packing until the claim is resolved.
“Failure to retain the damaged property, both the damaged item and the box with internal packaging until the claim is resolved will result in the denial of the claim.”
Insurance Terms & Conditions (Easyship) · Required Documents: Important Note Send any requested documents within one year of shipment.
“The insured has up to one year from the shipment date to provide any requested or additional documentation.”
Insurance Terms & Conditions (Easyship) · Claim Processing and Documentation Timeline Legal action must start within 12 months of discovering the issue.
“No legal proceedings for claim recovery are allowed unless initiated within 12 months of discovering the claim-related issue.”
Insurance Terms & Conditions (Easyship) · Legal Action
Payment time
Claims are reviewed within 5 to 7 business days (up to 3 more if extra documents are requested); payment goes to the policyholder after approval. No payment deadline is stated.
“Claims will be reviewed within 5 to 7 business days.”
What we couldn't confirm
- No insurance policy, certificate or Easyship endorsement is public.
- No edition history or effective date for the insurance terms.
- No governing-law clause in the insurance terms.
- Easyship's insurance page says "We cover most product categories, such as artwork and jewelry, up to $10,000 USD", but the binding terms exclude unique or one-of-a-kind fine art, and Easyship's Terms of Service prohibit "Unique or one-of-a-kind materials". Per our edition comparison, the insurance terms govern; broad art cover is not established.
- The terms give two waiting-period descriptions for lost parcels: 20/30 days "from the last tracking update" and, elsewhere, 20/30 days with no start point. Our review keeps the last-tracking-update reading; certificate-level reconciliation is not available.
- Review-time statements differ: the terms say 5 to 7 business days; the marketing page says claims are processed within 7 business days and approved in 2-3 business days.
- The insurance terms have no governing-law clause. Easyship's US Terms of Service use New York law, while the InsureShip certificate uses California law; which applies to the cover is unresolved.
- Sellers contracting with Easyship's non-US entities (HK, UK, AU, CA) are routed to the same US agency terms; our review found no locally authorized insurer for them.
- The terms list "Species" (protected wildlife), where the InsureShip certificate lists "specie" (coin/bullion). Our review flags this as wording drift.
- The "Last updated on" date on the insurance terms is blank, so the edition date is unknown.
Frequently asked questions
Does Easyship insurance cover porch theft?
No. The terms exclude any loss, theft or damage after the shipment is marked delivered.
What is the maximum Easyship insurance will pay?
$10,000 per shipment, including shipping cost. You can insure a higher value, but payouts are capped at $10,000.
Does Easyship insurance cover jewelry or laptops?
Jewelry is not on the excluded list; only loose stones and bullion are. Laptops, TVs and computer monitors are excluded. Fine art that is unique or one-of-a-kind is excluded despite marketing that mentions artwork.
How long do I have to file an Easyship insurance claim?
Within 90 calendar days of shipment. For lost parcels, wait 20 days (domestic) or 30 days (international) after the last tracking update. Damage can be claimed right away.
Who pays Easyship insurance claims?
InsureShip manages all claims. Easyship says it is not an insurance company. Approved claims are paid to the policyholder.
How much does Easyship insurance cost?
Easyship's help center says pricing starts at 1% of shipment value for domestic and 1.5% for international, with a $0.49 minimum.
Sources
- Insurance Terms & Conditions (Easyship) partner_terms · Live, retrieved 2026-10-31; no date populated
- Easyship Policy Coverage Terms partner_terms · Retrieved 2026-10-31; same text as the Insurance Terms page
- Easyship Terms of Service (US) partner_terms · Last updated July 28, 2026
- Add Insurance to Shipments help · Article updated 2026-10-30
- How to File an Insurance Claim help · Article updated 2026-09-30
- Create an Insurance Policy (Easyship API reference) help · 2024-09 (inconsistent date)
- eCommerce Shipping Insurance: Up to $10,000 Package Cover marketing · Retrieved 2026-10-31
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.