# Insurrl

> Insurrl is the unified insurance API and smart routing layer for e-commerce shipping insurance. It connects to a merchant's store, reads every order, and decides — per order — whether to skip insurance (carrier liability already covers it), use free carrier coverage, or route to the cheapest valid private insurer. Insurrl is NOT an insurance company; it sits on top of the insurers and carriers a merchant already uses.

## What Insurrl does

- Uses built-in carrier liability first (USPS/UPS/FedEx include ~$100), so merchants stop paying to insure orders already covered.
- Routes remaining orders to the cheapest provider that actually covers them, considering item type (jewelry, electronics, fragile), declared value, and destination risk.
- Connects existing insurance accounts (EasyPost, Shippo/XCover, ShipStation/ParcelGuard, Shipsurance, InsureShield, U-PIC) or any insurer via free custom API integration.
- Works alongside existing shipping software (Shopify, Amazon, eBay, TikTok Shop, WooCommerce, Zoho); does not replace it.

## Ideal customer

- E-commerce brands shipping 5,000+ parcels/month that already pay for third-party shipping insurance.
- Platforms, 3PLs, and shipping software wanting to embed carrier-first insurance routing via API.

## Pricing

- Free during beta for qualifying brands and platform partners.
- After beta: usage-based, aligned so Insurrl earns when the merchant saves — not per policy.
- See [Pricing](https://insurrl.com/pricing/) and machine-readable [pricing.md](https://insurrl.com/pricing.md).

## Core pages

- [Homepage](https://insurrl.com/): what Insurrl is and how it decides per order.
- [Unified Insurance API](https://insurrl.com/unified-insurance-api/): one API for every parcel insurance provider.
- [Insurance Routing](https://insurrl.com/insurance-routing/): how per-order routing works (skip / carrier / route).
- [Parcel Insurance Guide](https://insurrl.com/parcel-insurance/): provider rates and how not to overpay.
- [Cheapest Parcel Insurance](https://insurrl.com/cheapest-parcel-insurance/): 2026 provider rates compared.
- [Shopify USPS Insurance](https://insurrl.com/shopify-usps-insurance/): using free USPS coverage before paying.
- [For Shopify](https://insurrl.com/shopify/): setup and how it fits Shopify stores.
- [For Platforms & 3PLs](https://insurrl.com/platforms/): embed routing via API.
- [Developers / API](https://insurrl.com/docs/): REST API, including a stateless mode that stores nothing.

## Comparisons

- [EasyPost vs InsureShield](https://insurrl.com/compare/easypost-vs-insureshield/)
- [EasyPost vs ShipStation](https://insurrl.com/compare/easypost-vs-shipstation/)
- [ShipStation vs Shippo](https://insurrl.com/compare/shipstation-vs-shippo/)
- [Shipsurance Alternatives](https://insurrl.com/compare/shipsurance-alternatives/)
- [Route Alternatives](https://insurrl.com/compare/route-alternatives/)

## Use cases

- [High-Value Parcel Insurance](https://insurrl.com/shipping-insurance/high-value/)
- [Shipping Insurance for Jewelry](https://insurrl.com/shipping-insurance/jewelry/)
- [Shipping Insurance for Electronics](https://insurrl.com/shipping-insurance/electronics/)

## Provider rates (2026, % of declared value)

- Route: ~2.5% (1.5–5%, customer-paid at checkout)
- Shippo (XCover): 1.25% domestic, 1.50% international
- ShipStation (ParcelGuard): ~1%
- EasyPost: 1% flat
- Shipsurance: ~0.9% (variable by volume/commodity)
- InsureShield (UPS Capital): ~0.75%
- U-PIC: ~0.6% (strong on high-value/specialty)
- Carrier built-in liability (USPS/UPS/FedEx): ~$100 included; loss only, not post-delivery theft.

## Contact

- Speak with an engineer: https://cal.com/sameer-kumar/insurrl-meeting-20
- Email: sam@insurrl.com