If you ship Shopify orders via USPS, you may be paying for insurance you already have. USPS Priority Mail and Priority Mail Express include up to $100 of coverage at no extra cost.
What USPS already covers
- Priority Mail / Priority Express: up to $100 included free.
- Ground Advantage: limited/again value-based; check the service.
- The catch: USPS covers loss and damage you can prove — not theft after delivery (porch piracy), the most common e-commerce loss.
When you need more than USPS coverage
- Orders over $100 — the free coverage runs out.
- Porch-piracy-prone destinations — USPS won't cover post-delivery theft.
- High-value or fragile items where a single loss hurts.
The Shopify mistake: flipping on "insure every order" (Shopify's default is Shipsurance) means paying ~1% on all orders — including the sub-$100 USPS ones already covered. That's money left on the table on every cheap shipment.
The smarter setup
Connect your Shopify store to Insurrl. For every USPS order we check the built-in $100 coverage first, skip paid insurance when it's enough, and only insure — through the cheapest valid provider — when the order value or risk calls for it. No per-order decisions, no overpaying.
FAQ
Does USPS insurance come free with Shopify?
USPS includes up to $100 on Priority Mail regardless of platform. Shopify's add-on insurance (Shipsurance) is separate and paid — often redundant on sub-$100 USPS orders.
Should I insure every Shopify USPS order?
No. Insure what exceeds carrier coverage or carries real risk; skip the rest. Carrier-first routing does this automatically.
Does USPS cover stolen packages?
No — USPS liability doesn't cover theft after delivery. For porch piracy you need third-party coverage, which Insurrl routes only where it's worth it.