Secursus Shipping Insurance (US, Figural USA)

At a glance

Sold by

Secursus.com, a brand of Figural USA Inc, sells it online per shipment. In the US, Secursus works with Hylant Group, Inc., a licensed insurance producer, to place the coverage.

Claims handled by

Figural USA Inc (insurance intermediary; your direct contact for claims)

Risk carried by

N2G Worldwide Insurance Services, LLC (as named in the terms) (Insurer not named in the wording)

Max per parcel

$120,000 per package and per day per carrier ($200 per package without signature or in non-rigid packaging)

Published price

1% of declared value, $2.00 minimum (FAQ)

Pays out on

100% of the declared value, which must match a sales invoice dated within two months of pickup plus proof of payment; never more than the declared value.

Relationship to carrier

Pays above what the carrier owes

Wording available

Partner terms only

The terms call N2G "the insurance company", but N2G's own site describes it as a managing general agent offering products from Nationwide and Generali companies. The issuing insurer, policy number and certificate are not public.

Does Secursus cover porch theft?

Cover ends when the carrier's tracking marks the package delivered, so theft after the delivery scan is not covered. Separately, if you agree to delivery without signature or to an unsecured spot, the most Secursus pays is $200; if the carrier skips the signature through its own negligence, cover stays valid.

Jewelry, watches, laptops, and phones

Jewelry, pearls, precious stones, watches, collector coins, art and high-tech items are listed as covered, but only up to $200 per package unless shipped with adult or direct signature. Pure precious metals, banknotes and checks are excluded.

Signature rules

• Cover applies to packages shipped with adult signature or direct signature of the recipient.

  “The Shipping Insurance applies to Packages shipped with an adult signature or direct signature of the Recipient.”

• Without the signature-on-delivery option, cover is capped at $200 per package.

  “In the event that a Package is shipped without the signature upon delivery option, Shipping Insurance coverage will be strictly limited to a maximum of $200 (two hundred dollars) per Package”

• If the carrier delivers without signature through its own negligence (not by agreement), cover stays valid.

  “However, if the delivery without a signature results from the Carrier's negligence and not an agreement with the Shipper or the Recipient, Shipping Insurance remains valid.”

What it excludes

• Shipments without signature, in soft packaging, or left unsecured by agreement (capped at $200)

  “Non-rigid packaging such as bubble envelopes or thin cardboard envelopes will be covered for a maximum value of $200 (two hundred dollars) per Package.”

• Drop-off at third-party retail points (grocery stores, pharmacies)

  “The Shipping Insurance does not apply to Items shipped to or from third-party retail locations acting as drop-off points (such as grocery stores, pharmacies, or any non-dedicated shipping outlets)”

• Cosmetic damage, depreciation, and electrical/mechanical failure not caused in transit

  “SCRATCHES, SCUFFS, DEFORMATION, AND OTHER COSMETIC DAMAGE;”

• Live animals, temperature-controlled goods, dangerous goods, weapons, tobacco, alcohol, CBD

  “MERCHANDISE TRAVELING UNDER CONTROLLED-TEMPERATURE CONDITIONS (POSITIVE OR NEGATIVE);”

• Glass, ceramics, mirrors and screens unless Figural pre-approves the packaging

  “OBJECTS OR ART OBJECTS MADE OF GLASS, PORCELAIN, CERAMICS, EARTHENWARE, CRYSTALWARE, MIRRORS, VASES, POTTERY, CROCKERY, AND TV AND COMPUTER SCREENS. FIGURAL USA INC MUST VALIDATE THE PACKAGING OF THESE GOODS BEFORE SHIPPING TO BE INSURED.”

• Items sold by individuals on online marketplaces (unless approved in writing)

  “ITEMS SOLD OR PURCHASED ON AN ONLINE MARKETPLACE BY INDIVIDUALS. ONLY REGISTERED BUSINESSES WILL BE COVERED UNLESS APPROVED IN WRITING BY FIGURAL USA INC.”

• Shipments between related parties or with no sale

  “Shipments between related parties, family members, or any parties where no financial transaction has taken place are not eligible for coverage.”

• Inadequate packing

  “ABSENCE OR INADEQUACY OR UNSUITABILITY OF PREPARATION, PACKING, OR PACKAGING;”

• Excluded countries, including all of Africa

  “Afghanistan, Belarus, Burma, Cuba, North Korea, Iraq, Iran, Russia, Syria, Ukraine, Venezuela, and the entire African continent.”

How and when claims pay

Anything the carrier pays you is deducted from the Secursus payout, and you must file a claim with the carrier and include it with your Secursus claim.

Deadlines

• Cover ends on delivery against receipt, or at the latest 14 days after pickup; a parcel still in transit after 14 days is uninsured.

• File the claim in your Secursus account within 14 days of pickup or 3 days of delivery, whichever comes first, or lose cover.

  “The claim must be submitted without delay and, in any case, within a maximum of 14 (fourteen) days from the Pick-Up Date or 3 (three) days from the Delivery Date, whichever comes first.”

• Note visible damage with the carrier before signing, or within 24 hours of delivery.

  “the Customer must notify the Carrier immediately of any visible damage before signing the delivery receipt, or within 24 hours of delivery if immediate notification was not possible”

• Buy the insurance no later than midnight on the day of shipment.

  “The insurance must be purchased no later than the day of shipment (until midnight).”

• Supporting documents (ID, label, invoice plus proof of payment, carrier claim, photos, police report for theft) are due within the same 14-day / 3-day window.

  “The Customer must provide Figural USA Inc with the following documents without delay and, at the latest, within 14 (fourteen) days from the Pick-Up Date or 3 (three) days from the Delivery Date, without any photo editing, retouching, or modifications: …”

Payment time

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

What we couldn't confirm

• No insurer-issued policy, schedule or certificate is public.
• The actual risk-bearing insurance company is not named in any held document.
• No dated editions, so changes over time cannot be tracked.
• The terms name N2G Worldwide Insurance Services, LLC as "the insurance company", but N2G calls itself a managing general agent. Our review did not establish which insurer actually bears the risk.
• The FAQ price ($2 minimum below $715) does not add up: 1% of $715 is $7.15. The terms say the real-time price is shown on the website before purchase.
• The terms say cover ends on "Delivery to the Recipient against receipt" (Art.5.1) and elsewhere when the package is "marked as delivered" by tracking (Art.7.2). The two end points can differ.
• Art.2 says individuals can insure second-hand goods, while Art.6.2 excludes items sold by individuals on online marketplaces unless approved in writing.
• Art.4.2 lists leather goods and collector coins as covered, while Art.4.3 excludes "FURS, SKINS, LEATHERS" and the FAQ excludes "minted coins".
• The packaging checklist says claims are due within 14 days and omits the 3-days-from-delivery limit in the terms; the terms are stricter.
• The terms do not grant cover where they are silent: the terms cover items not on the exclusion list, and Canada, Japan and several other countries are covered for international shipments only.
• Do not apply these US terms to Secursus UK or EU wording; those are separate programs.

Frequently asked questions

Sources

1. Insurance terms and conditions | Secursus partner_terms · Live US terms accessed 2026-10-30; no revision date shown
2. Secursus US FAQ help · Not established; retrieved 2026-10-31
3. Safe shipping & Packaging checklist | Secursus help · Live, accessed 2026-10-30
4. N2G About page help · Live 2026-10-31 (footer (c)2020)

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.