U-PIC Shipping Insurance (US Buy Now / Multi Buy)
What it covers, what it excludes, and how claims pay. Quoted from the wording.
Wording reviewed October 2026 · 10 sources
Quick answer
U-PIC's US coverage rules insure a parcel against loss or damage from an external cause while a carrier has it, paying invoice value (or actual cash value if there is no invoice). Cover sits on top of carrier liability and other insurance. Jewelry, laptops, cellphones, fine art, perishables and several other items are excluded unless endorsed in writing, and loss after delivery is not covered under the standard rules.
- Wording you can read Partner terms only; policy not public
- Who carries the risk Named insurer, licence status not shown
- Porch theft Not covered
- High-value goods Excluded unless added in writing
- Pays without the carrier Pays above what the carrier owes
- Claim rules Deadlines stated, payment time not
At a glance
- Sold by
- U-PIC Insurance Services sells it directly through the Buy Now and Multi Buy options on its website. Direct and integrated partners (for example TikTok Shop, Amazon/Veeqo and DHL) get their own coverage rules.
- Claims handled by
- U-PIC Insurance Services Inc. (the coverage page calls it the "Insurer"; the policy is underwritten by Continental Casualty Company)
- Risk carried by
- Continental Casualty Company (named as underwriter, policy 665428091) (Named insurer; licence status not shown)
- Pays out on
- Invoice value; actual cash value if there is no invoice. Shipping cost is paid only if it was included in the declared value. Underinsuring can trigger a co-insurance penalty.
- Relationship to carrier
- Pays above what the carrier owes
- Wording available
- Partner terms only
The US page names Continental Casualty Company as underwriter but labels U-PIC itself as "Insurer". The policy, declarations and endorsements are not public, and our review did not confirm this policy's admitted or surplus-lines status from a regulator record.
“Insurer: U-PIC Insurance Services Inc. Underwritten by: Continental Casualty Company Policy Number: 665428091”
Does U-PIC cover porch theft?
Cover ends when the carrier delivers; loss after delivery is not covered under the standard rules, though U-PIC's FAQ says direct-policy clients can buy a porch-piracy endorsement.
“in care, custody, or control of carriers listed within the United States of America (including its possessions and trusts) and Canada EXCEPT as hereinafter excluded.”
Jewelry, watches, laptops, and phones
Jewelry, laptops, cellphones, loose stones, fine art and televisions are on the excluded list unless endorsed in writing. Coin and jewelry shipments to or from four ZIP codes (10017, 10036, 94102, 94108) are not insured at all. Watches are not named on the list.
“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.”
What it excludes
Jewelry, laptops, cellphones, fine art, perishables, TVs, loose stones, money and similar property (unless endorsed in writing)
“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.”
U-PIC U.S. Coverage Rules | U-PIC Shipping Insurance · U-PIC Coverage Details - COVERAGE DOES NOT INSURE Poor or non-compliant packaging
“is addressed, wrapped or packed insufficiently, incorrectly or contrary to the carrier's packaging requirements”
U-PIC U.S. Coverage Rules | U-PIC Shipping Insurance · U-PIC Coverage Details Packaging or labels that describe the contents
“bears a descriptive label or packaging which tends to describe the nature of its contents.”
U-PIC U.S. Coverage Rules | U-PIC Shipping Insurance · U-PIC Coverage Details Delay, loss of market, inherent vice, temperature changes and consequential loss
“Arising out of loss of market, latent defect, inherent vice, delay, loss of use, clean up costs, decay, changes in temperature or humidity, or other deterioration, any remote or consequential loss”
U-PIC U.S. Coverage Rules | U-PIC Shipping Insurance · U-PIC Coverage Details Delivery to someone who obtained the item by fraud
“Arising out of loss from delivering the product to someone who obtains it by trick, false pretense, or other fraudulent schemes.”
U-PIC U.S. Coverage Rules | U-PIC Shipping Insurance · U-PIC Coverage Details Customs or government seizure, contraband
“seizure or destruction under quarantine or Customs regulations, confiscation by order of any government or public authority or risks of contraband or illegal transportation of trade.”
U-PIC U.S. Coverage Rules | U-PIC Shipping Insurance · U-PIC Coverage Details Handling and insurance fees
“Handling fees and insurance fees are excluded from coverage.”
U-PIC U.S. Coverage Rules | U-PIC Shipping Insurance · U-PIC Coverage Details - CONDITIONS
How and when claims pay
U-PIC pays only above what the carrier owes and above other valid insurance; if your policy has a carrier Parcel Deductible, you must be reimbursed by the carrier first, but for full-value, no-deductible parcels you do not need to notify the carrier.
“THE UNDERWRITERS SHALL NOT BE LIABLE for any loss or damage to property covered by other valid and collectible Insurance nor for carrier's liability. Coverage shall be for EXCESS of aforementioned.”
Deadlines
Report non-delivery or damage to U-PIC within 90 days of the ship date; claims filed after 90 days are not honored.
“The Insured must file notice of non-delivery or damage with U-PIC within ninety (90) days from date of shipment for carrier shipments.”
U-PIC U.S. Coverage Rules | U-PIC Shipping Insurance · U-PIC Coverage Details - CONDITIONS Non-delivery claims wait before they are decided: 21 days for domestic service, 45 days for international, 60 days for Italy. APO/FPO shipments must wait 45 days before filing.
“For packages shipped with domestic service and result in a notice of non-delivery, there is a twenty-one (21) day waiting period before the Insured file will be adjudicated.”
U-PIC U.S. Coverage Rules | U-PIC Shipping Insurance · U-PIC Coverage Details - CONDITIONS If your policy has a deductible: notify the carrier within its claim period (no later than 30 days after you learn of the problem), then submit to U-PIC within 60 days of the date on the carrier's check.
“The Insured will file notice of non-delivery or damage with the carrier within the carrier's claim reporting period, but in no event shall such notification exceed thirty (30) days from date Insured had knowledge”
U-PIC U.S. Coverage Rules | U-PIC Shipping Insurance · U-PIC Coverage Details - CONDITIONS - deductible claims Any documents U-PIC requests must be provided within one year of the ship date.
“The Insured will have one (1) year from the date of shipment to provide any required and/or additional documentation which has been requested of the Insured to substantiate said claim.”
U-PIC U.S. Coverage Rules | U-PIC Shipping Insurance · U-PIC Coverage Details - CONDITIONS Keep damaged non-perishable items until the claim is resolved, or the claim is denied.
“For non-perishable items, failure to hold the damaged property until the claim has reached a resolution will result in the denial of the claim.”
U-PIC U.S. Coverage Rules | U-PIC Shipping Insurance · U-PIC Coverage Details - CONDITIONS A lawsuit on a claim must start within 12 months after you discover the loss (or the shortest period state law allows).
“unless the same is commenced within twelve (12) months after discovery by the Insured of the occurrence which gives rise to the claim”
U-PIC U.S. Coverage Rules | U-PIC Shipping Insurance · U-PIC Coverage Details - CONDITIONS
Payment time
Coverage rules say only that covered losses are paid "promptly" after documents are received and accepted. U-PIC's claims page says claims are "typically processed within 7-10 business days".
“Any covered loss will be promptly paid to the Insured or his Assignee after notice of loss or damage and required documentation has been received and accepted by Underwriters”
What changed recently
Between 2024-04-22 and 2026-10-31 Jewelry was added to the excluded-property list.
“Accounts, bills, bullion, currency, deeds, evidence of debt, furs, original/fine art, computer chips, money, notes, securities, perishable cargo, loose precious/semi-precious stones, televisions, tickets, laptop computers, cellphones, personal goods,”
u-pic.com/coverage-rules (Wayback 2024-04-22) · Coverage Details, "COVERAGE DOES NOT INSURE THE FOLLOWING" Between 2024-04-22 and 2026-10-31 Carrier reimbursement is now required first only where a carrier Parcel Deductible applies.
“COVERAGE CONTINGENT upon Insured being reimbursed by the carrier for carrier's liability. Payment from the carrier does not guarantee approval of claim.”
u-pic.com/coverage-rules (Wayback 2024-04-22) · CONDITIONS Between 2024-04-22 and 2026-10-31 The 21-day domestic wait changed from a bar on filing to a hold before the claim is decided. The 45-day international wait changed the same way.
“There is a twenty-one (21) day waiting period before the Insured may file a notice of non-delivery to U-PIC for packages shipped domestic.”
u-pic.com/coverage-rules (Wayback 2024-04-22) · CONDITIONS Between 2024-04-22 and 2026-10-31 A marine cyber exclusion and a communicable disease exclusion were added.
“this insurance does not insure any loss, damage, liability, claim, cost or expense of whatsoever nature caused by, contributed to by, resulting from, arising out of, or in connection with a Communicable Disease”
U-PIC U.S. Coverage Rules | U-PIC Shipping Insurance · COMMUNICABLE DISEASE EXCLUSION (Cargo)
What we couldn't confirm
- Policy 665428091, its declarations (limit, deductible, rate) and endorsements are not public.
- Direct and integrated partners receive separate coverage rules on sign-up; those are not held except the public TikTok, Amazon/Veeqo, DHL and consumer-checkout pages.
- The live page shows no revision or effective date.
- These rules apply only to US-origin parcels insured through U-PIC's Buy Now or Multi Buy website options. Direct and integrated partners get separate rules, and U-PIC says those terms may differ.
- The live US page labels U-PIC Insurance Services (an agency) as "Insurer" while naming Continental Casualty Company as underwriter. Earlier editions (2021-2024) named both The Continental Insurance Company and Continental Casualty Company with two policy numbers.
- The schedule limit, deductible and rate for policy 665428091 are not public, so the maximum per parcel is unknown.
- The insuring clause frames cover as carrier custody within the US and Canada, but the same page sets international waiting periods. Our review flags this as unresolved.
- TikTok Shop: the page footer names policy 665428091, but its laptop and non-refrigerated perishable endorsements (effective 2024-01-01) say: "This endorsement attaches to and forms a part of policy OC 250148/18807.". Whether they apply is unresolved. The claim portal says: "U-PIC only insures packages with labels generated through the TikTok Shop Seller Center.".
- Amazon/Veeqo: the partner page footer names "The Continental Insurance Company", while U-PIC's region page says the US underwriter is Continental Casualty Company. Which entity bears the risk is unresolved. The live Amazon excluded list does not name jewelry.
- DHL: the partner page names "Continental Casualty Company Policy Number 665428091", says "DHL does not have any commodity endorsements in place.", and sets a 14-day domestic wait for DHL Expedited Max.
- Consumer checkout: U-PIC's consumer page says "This coverage is not an insurance policy issued to you" and "You are not insured under the Merchant's policy, do not file insurance claims, and do not receive insurance payments." The merchant decides any refund, replacement, reshipment or store credit.
- No signature requirement appears in the US Buy Now rules. Our review found no published per-$100 rate; the FAQ's $0.45-per-DVU figure is only a worked example.
Frequently asked questions
Does U-PIC shipping insurance cover porch theft?
Not under the standard rules. U-PIC's FAQ says that once a package is delivered, any later loss or damage is not covered. It also says direct-policy clients can buy a porch-piracy endorsement.
Does U-PIC cover jewelry, laptops or cellphones?
Not unless endorsed in writing. The US coverage rules list jewelry, laptop computers, cellphones, loose stones, fine art and TVs as excluded. Coin and jewelry shipments to or from ZIP codes 10017, 10036, 94102 and 94108 are not insured.
How long do I have to file a U-PIC claim?
File notice with U-PIC within 90 days of the ship date. Non-delivery claims are held 21 days (domestic), 45 days (international) or 60 days (Italy) before they are decided. Requested documents are due within one year of shipment.
Do I have to file with the carrier first?
Only if your policy has a deductible. Then you must notify the carrier within 30 days and send the claim to U-PIC within 60 days of the carrier's check. For full-value, no-deductible parcels, notifying the carrier is not needed.
What does U-PIC pay on a claim?
Invoice value, or actual cash value if there is no invoice. Shipping cost is paid only if it was part of the declared value, and handling and insurance fees are not covered.
Is insurance bought through TikTok Shop, Amazon/Veeqo or DHL the same as U-PIC Buy Now?
No. Each partner has its own coverage page. The named insurer and covered items differ, and some points, such as the TikTok endorsements and the Amazon insurer, are unresolved.
Sources
- U-PIC U.S. Coverage Rules | U-PIC Shipping Insurance partner_terms · Live, retrieved 2026-10-31; no revision date shown
- u-pic.com/coverage-rules (Wayback 2024-04-22) partner_terms · Captured 2024-04-22 (superseded)
- FAQ's | U-PIC Shipping Insurance help · Live, retrieved 2026-10-31
- U-PIC Coverage Regions | U-PIC Shipping Insurance marketing · Live, retrieved 2026-10-31
- U-PIC claims help · Not established; retrieved 2026-10-31
- Tiktok Coverage Terms | U-PIC Shipping Insurance partner_terms · Live, retrieved 2026-10-31; embedded endorsements dated 2024-01-01
- U-PIC TikTok claim portal help · Retrieved 2026-10-31
- Amazon Veeqo U-PIC coverage terms partner_terms · Not established; retrieved 2026-10-31
- DHL U-PIC coverage terms partner_terms · Not established; retrieved 2026-10-31
- U-PIC Consumer Coverage Rules | U-PIC Shipping Insurance partner_terms · Live, retrieved 2026-10-31; no revision date shown
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.