Policy check
Pick your insurance and what you sell. You get the verdict and the exact clause it comes from.
I insure with and I sell
ParcelGuard terms, effective 23 Jul 2026
“Laptop computers (including tablets computers, iPads, and similar electronics) must be sent with the direct or adult Signature Confirmation Service provided by the carrier”
Conditions: Signature Confirmation Service
Ship without signature and a loss claim pays nothing.
ParcelGuard terms, effective 23 Jul 2026
“Mobile telephones (including cell phones, smart phones, and similar) must be sent with the direct or adult Signature Confirmation Service provided by the carrier”
Conditions: Signature Confirmation Service
Same rule as laptops.
ParcelGuard terms, effective 23 Jul 2026
“Jewelry (includes necklaces, earrings, watches, rings, bracelets, broaches, etc.) with a value of $500.00 or more must be sent with the direct or adult Signature Confirmation Service provided by the carrier”
Conditions: Signature Confirmation Service
Watches count as jewelry here.
CNA master policy, Endorsement 1, Jul 2026
“For claims for Parcels containing over $250 in jewelry/watches or containing laptops, LCDs, TVs that have not been sent through a delivery service requiring a physical signature and including a Tracking Number.”
Endorsement 1, s.8(d), listed under what the policy will not pay
Laptops are also capped at $5,000 per parcel.
CNA master policy, Endorsement 1, Jul 2026
No clause found for phones.
Searched the master policy and endorsements we hold
General terms apply. Your certificate may add conditions, which the free check will confirm.
CNA master policy, Endorsement 1, Jul 2026
“For claims for Parcels containing over $250 in jewelry/watches or containing laptops, LCDs, TVs that have not been sent through a delivery service requiring a physical signature and including a Tracking Number.”
Endorsement 1, s.8(d), listed under what the policy will not pay
Branded or descriptive packaging is excluded too. Capped at $5,000 per parcel.
U-PIC US coverage details
“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.”
Coverage details: Coverage does not insure
Ask U-PIC for a written endorsement before you ship.
U-PIC US coverage details
“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.”
Coverage details: Coverage does not insure
Ask U-PIC for a written endorsement before you ship.
U-PIC US coverage details
“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.”
Coverage details: Coverage does not insure
Ask U-PIC for a written endorsement before you ship.
Route policy summary, edition 26-1
“are insured against "All Risks" of physical loss or damage from any external cause, except for the exclusions listed below. However, the limit of liability for any one shipment shall not exceed $2,500.”
Special commodity: laptop, tablet computers, mobile/smart phones or watches
An order worth more than $2,500 is only partly protected.
Route policy summary, edition 26-1
“are insured against "All Risks" of physical loss or damage from any external cause, except for the exclusions listed below. However, the limit of liability for any one shipment shall not exceed $2,500.”
Special commodity: laptop, tablet computers, mobile/smart phones or watches
An order worth more than $2,500 is only partly protected.
Route policy summary, edition 26-1
“Jewelry (valued in excess of $1,500)”
Excluded commodities (unless agreed in writing)
Watches fall under a separate $2,500 per-shipment cap.
| Policy | Sent without signature | Sent with signature | Why |
|---|---|---|---|
| ShipStation (ParcelGuard) | Not covered | Covered, above the carrier’s $100 | Laptops must ship with direct or adult signature. |
| Shippo (XCover) | Not covered | Covered | No claim for laptops sent without a physical signature. |
| U-PIC | Not covered | Not covered | Laptops excluded unless added to the policy in writing. |
 UPS, no insurance | $100 | $100 | Carrier’s built-in liability, unless you buy declared value. |
ShipStation (ParcelGuard)
“covers a package from all risks of physical loss or damage from an external cause … while in transit, and physical loss or damage from theft upon delivery.”Covered
Shippo (XCover)
“For claims resulting from Theft after documented delivery to the Delivery Address where no police report related to the Theft has been …”Only with a police report
Route
“The Route Policy extends coverage to online purchases that are lost or damaged while in transit or, “porch pirated” where the transportation of such purchases is tracked through Route.”Covered
USPS, no insurance
Carrier liability ends at the delivered scan.Nothing
Based on published policy terms as of October 2026. Deductibles and your own certificate can change the result.
Tell us what you ship and how you insure it. We’ll show you the gaps, quoted from your policy.