Shopify Shipping Insurance (Shipsurance)

At a glance

Sold by

Shopify, when you buy shipping labels in the Shopify admin. Eligible Grow, Advanced and Plus stores using Shopify Payments get up to $200 included per label.

Claims handled by

Shipsurance Insurance Services, Inc.

Risk carried by

Voyager Indemnity Insurance Company (Surplus lines insurer)

Max per parcel

$5,000 ($1,000 for DHL eCommerce, FedEx Ground Economy and UPS Ground Saver)

Published price

$0.89 per $100 domestic; $1.29 per $100 international (Shopify help page)

Pays out on

Invoice value on your commercial sales invoice, plus original shipping cost if declared; never more than the declared value

Relationship to carrier

Pays first; carrier claim not required

Wording available

Partner terms only

The terms call Voyager a non-admitted insurer. Its 2025 statutory statement lists it as eligible surplus lines (E) in California and licensed (L) only in Georgia. Shipsurance's California non-admitted notice (which does not name the insurer) says such insurers do not take part in California guarantee funds.

Does Shopify Shipping Insurance cover porch theft?

Theft upon delivery is covered for packages stolen outside a home or business after commercial delivery, but not if branded or manufacturer packaging reveals the contents; a police report may be requested.

Jewelry, watches, laptops, and phones

Jewelry and watches worth $1,000 or more need direct or adult signature service. Laptops, tablets and phones need signature service at any value; without it they are not covered.

Signature rules

• Jewelry and watches worth $1,000 or more need carrier signature service.

  “Jewelry (includes necklaces, earrings, watches, rings, bracelets, broaches, etc) with a value of $1,000.00 or more must be sent with the Signature Confirmation service (package must be signed for at delivery) provided by the Carrier. This is required for Domestic and International shipments.”

• Laptops, tablets and phones need signature service; if the carrier does not offer it, they cannot be covered.

  “If a signature confirmation service is not available from the carrier, these items cannot be covered. Shipments sent without a carrier provided signature confirmation service are excluded from coverage in their entirety.”

• Any parcel that requires signature service but was sent without it is excluded.

  “Parcel(s) or freight that require a signature confirmation or signature required service that are not sent using the required signature service are excluded from coverage.”

What it excludes

• Cash, gift cards, tickets and documents

  “Accounts, bills, currency, cash in transit, evidence of debt, checks, money orders, COD payments, coins (collectible coins are not excluded), securities and other negotiable papers, tickets, deeds, notes, gift cards, manuscripts, documents,”

• TVs, monitors, screens, neon, glass and stone or ceramic slabs

  “neon items, hazardous material (per UPS Hazardous Materials List), televisions, monitors, screens, perishable cargo or similar property, eggs, any stone or ceramic slabs,”

• Guns and gun parts, rocks and minerals, hemp and CBD products, tobacco

  “guns and firearms (including ghost guns and 3D printed guns, including blueprints for such guns, and any part, component or kit for any gun or firearm), rocks (including geodes, crystals, amethyst, clusters, minerals, fossils, and similar), and hemp-derived products and products that contain cannabidiol (CBD).”

• Loss or theft in branded or manufacturer packaging (damage is covered)

  “Loss, shortage, or non-arrival of any parcel or freight and its contents when it bears a descriptive label or packaging which describes, or alludes to, the nature of the contents. This includes the manufacturer packaging.”

• Fraudulent re-routing or interception

  “Parcel or Freight that are shipped as a result of fraud or those that are re-routed, intercepted enroute, or retrieved at a point other than the original delivery address due to dishonest, fraudulent instruction or misrepresentation to the Carrier.”

• Wrong address or weak packing

  “Loss, damage, shortage, or non-arrival of any parcel or freight and its contents which is addressed incorrectly or packed insufficiently to withstand the normal rigors of transit.”

• Delay and indirect loss

  “Loss, damage, shortage arising out of loss of market, delay, loss of use, clean-up costs, decay, inherent vice, or other deterioration, any remote or consequential loss,”

• Listed and sanctioned destinations, including Brazil

  “Shipments sent to Afghanistan, Angola, Bolivia, Brazil, Burma, Congo, Cuba, Iran, Iraq, Ivory Coast (Cote d'Ivoire), Liberia, Nigeria, North Korea, Paraguay, Sierra Leone, Somalia, Sudan, Syria, Venezuela.”

• Inbound shipments

  “Coverage is on a package-by-package basis. Inbound shipments are not covered.”

• USPS First Class Mail and UPS to Puerto Rico are not eligible

  “USPS First Class Mail shipping service isn't eligible for insurance.”

How and when claims pay

File with Shipsurance, not the carrier; your rights to carrier coverage are assigned to Shipsurance and the two do not stack.

Deadlines

• Give immediate notice to Shipsurance; do not file with the carrier.

  “The Insured will file immediate notice of non-delivery, damage, or shortage with SHIPSURANCE.”

• Send the claim form and all documents within 120 calendar days of the ship date.

  “The Insured will complete a SHIPSURANCE claim form and provide all required documents to SHIPSURANCE within one hundred and twenty (120) calendar days from the date of shipment.”

• For USPS or consolidator loss claims, wait 20 days (domestic) or 40 days (international) before filing.

  “If the claim is for loss the Insured must wait twenty (20) calendar days (Domestic shipments) or 40 calendar days (International shipments) before filing claim with SHIPSURANCE.”

• Hidden damage must be found within 15 days after final delivery.

  “Concealed damage allows for the discovery of loss or damage up to 15 days after final delivery.”

Payment time

Stated goal of payment within 5 business days after supporting documents are received (FAQ, not the coverage terms)

What changed recently

• 2023-11-16 Damage to items in branded or manufacturer packaging became covered; loss, shortage and theft in such packaging stay excluded. The fraud exclusion was rewritten to cover fraudulent re-routing.

  “11/16/2023: Added damage (not loss, shortage, or theft) coverage for parcels or freight and its contents when it bears a descriptive label or packaging which describes, or alludes to, the nature of the contents. Updated EXCLUSION (F) language.”

• 2022-07-07 Guns, rocks and CBD products were added to the exclusions.

  “7/7/2022: Added exclusions for guns, rocks, CBD products.”

• after 2022-01-26 (exact date not stated) The covered-carrier list grew (FedEx, LaserShip, OnTrac) and a $1,000 limit was added for economy services. Earlier terms also told you to notify the carrier; current terms say not to file with the carrier.

  “This insurance covers up $5,000.00 per package for shipments sent via DHL, UPS, and the USPS service.”

What we couldn't confirm

• Voyager master policy, declarations and certificate are not public.
• No deductible is stated.
• The 'Insurance Fees' section of the terms page is empty; rates come only from Shopify's help page.
• The terms page shows no effective date; our review dates it by its change log (last entry 16 November 2023) and assumes the later edition applies to later shipments.
• Shopify's help page says claims can be filed 24 hours after shipping; the coverage terms require a 20- or 40-day wait for USPS or consolidator loss claims. Our review treats the coverage terms as governing.
• A general Shipsurance FAQ says to start lost-package claims with a carrier tracer; the Shopify program terms say not to file with the carrier. The program terms govern.
• Shopify's help page says shipments must ship from the United States; the Shipsurance Shopify FAQ says merchants must be US-based but shipments can start abroad.
• The terms say Voyager is non-admitted; its statutory statement shows it licensed in Georgia. Its statutory statement shows Voyager licensed (L) in Georgia.
• The FAQ's 5-business-day payment goal is not a contract promise.
• The terms and FAQ also mention a recipient-signed claim statement and may request buyer communications.

Frequently asked questions

Sources

1. Shipsurance - Coverage Terms for the Shopify Insurance Program partner_terms · No effective date shown; change log to 11/16/2023
2. Shipsurance Shopify coverage terms (Wayback 2022-01-26) partner_terms · Snapshot 2022-01-26 (historical)
3. Shopify Help Center | Shipping insurance for your shipping labels help · Retrieved 2026-10-31
4. Shipsurance Shopify FAQ help · Retrieved 2026-10-31
5. Shipsurance California non-admitted notice (NT0100-0316 D2) help · Form NT0100-0316; retrieved 2026-10-31
6. Voyager Indemnity Insurance Company - 2025 Annual Statement (NAIC P&C blank) regulatory_filing · Year ended 2025-12-31

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.