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Why should I add insurance to my shipment?

Learn all the reasons why it pays to protect your booty with InsureShield® coverage on Pirate Ship

Updated over a month ago

Every seasoned pirate knows they need a good insurance policy in case they hit rough waters at sea. The same principle applies to shipping!

From greater coverage to easy claim filing, here are all the reasons why we recommend adding InsureShield to your shipments.

The benefits of InsureShield coverage

Greater value: With InsureShield, you can purchase up to $10,000 in coverage for UPS shipments and up to $5,000 for USPS shipments 💰

To compare, most USPS labels on Pirate Ship come with a maximum of $100 of built-in insurance. UPS labels come with $100 of carrier liability, except for the following service:

UPS Ground Saver® labels come with $20 of carrier liability

Affordable rates: Each $100 of declared value costs only $1 with InsureShield.

As an example, let’s say your shipment is worth $500. Purchasing InsureShield coverage for its full value would cost only $5. That’s a boatload of protection for a small amount o’ coin!

Full protection: Wherever your shipments are headed, InsureShield covers them against loss, damage, or theft. This broad scope of coverage ensures that you’re protected against nearly everything that can go wrong 💪

For context, UPS carrier liability and USPS insurance do NOT protect against package theft. InsureShield does!

Easy filing: With Pirate Ship + InsureShield’s dedicated self-service portal, filing claims has never been easier. You can do it in less than a minute!

To file a claim with InsureShield, simply click on your shipment and find the blue “File an Insurance Claim” link. Here’s how that looks:

Quick claims: InsureShield settles most claims within days of the initial filing. These quick timelines keep your business sailing smoothly, and you don’t have to keep checking in on your claim status ⛵

InsureShield is different from carrier liability

InsureShield vs carrier liability: InsureShield coverage is NOT the same as carrier liability! Since UPS carrier liability claims and InsureShield claims are filed through the same portal, it’s easy to confuse the two 😅

Carrier liability refers to the $100 of built-in protection that comes with UPS labels on Pirate Ship ($20 for UPS Ground Saver). InsureShield coverage refers to third-party insurance you purchase on top of your label costs.

You CANNOT stack InsureShield coverage and carrier liability: InsureShield CAN’T stack on top of carrier liability or USPS insurance. You must choose one or the other.

Purchasing InsureShield coverage voids any insurance from the carrier. This includes the $100 of carrier liability you get with UPS labels, and the $100 of USPS insurance that comes with USPS Ground Advantage and Priority Mail labels.

For example, let’s say your UPS Ground shipment is worth $500. Even though UPS Ground labels come with $100 of carrier liability, you must purchase the total $500 in InsureShield coverage. You can’t purchase $400 with InsureShield and then claim the other $100 in UPS carrier liability. If you do, you’ll be stuck with only $400 in coverage.

Additional resources

How do I contact Pirate Ship?

Does Pirate Ship offer insurance?

How do I file an insurance claim with InsureShield?

InsureShield Terms and Conditions for Insurance

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Scott Lyter

6421 Brittan Rd.

Harrisburg PA 17111

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Why should I protect my shipment?

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InsureShield Terms and Conditions for Insurance

Terms and Conditions of Service and Explanation of Coverage

Updated over 9 months ago

How do you file a claim?

If you purchased insurance when shipping with Pirate Ship, you’ll need to file a claim through the InsureShield Claims Portal. Read how to file a claim here.

Please note that Pirate Ship’s crew doesn’t have access to claim information. If you’d like to request an update after filing your claim, please reply to the email you received from InsureShield. Any claim updates will come from InsureShield, not us 😉

Insurance Costs

Domestic Shipment: $1.00 for every $100

International Shipment: $1.00 for every $100

Limits:

$10,000 per UPS shipment

$5,000 per USPS shipment

$400 for First Class Package International and Simple Export Rate

Excluded Goods and Shipments:

The following items are not eligible for coverage:

Contraband; illicit goods; accounts receivable; fish meal; nuclear fuel and substances; fireworks, explosive agents, fire-starting devices or aids; live plants, animals and insects, human tissues or organs, human remains, corpses or body parts; bullion; stamps; cash; currency; money; coins (collectible coins with no currency value are not excluded from coverage); deeds; notes; securities; bills; evidence of debt; and precious stones (e.g. a bag of loose diamonds or individual rubies, sapphires, etc; jewelry items are not excluded from coverage). Shipments must originate from the United States of America and you (the End User) must be located within the United States of America.

Excluded Countries

Shipments sent to the following countries are not eligible for coverage:

Balkans (Albania, Bosnia, Bulgaria, Croatia, Kosovo, Montenegro, North Macedonia, Serbia), Belarus, Burundi, Central African Republic, Cuba, Democratic Republic of Congo, Iran, Iraq, Lebanon, Libya, Nicaragua, North Korea, Somalia, Sudan & Dufar, Syria, Ukraine/Russia, Venezuela, Yemen, and Zimbabwe.

Note: This list of excluded countries is subject to change depending on government restrictions, geopolitical events, embargos, etc.

Terms and Conditions

REVIEW AND ACCEPTANCE: You (you or End User) should fully review and understand these T&Cs before you request to participate in the Program with respect to any shipment of goods. In particular, you should ensure that your shipments are eligible for coverage and that you understand the terms of protection offered under the Program. Your acceptance of these T&Cs is a condition precedent for your goods to be protected under the Program. In addition, you should fully review and understand each of the following before you request to participate in the Program with respect to any shipment of goods: the UPS Capital Group Technology Agreement (the current version of which is available at https://www.insureshield.com/us/en/legal/technology-agreement.html), and the UPS Capital Privacy Notice (the current version of which is available at https://www.insureshield.com/us/en/legal/privacy-notice.html) (together with these T&Cs, collectively, the Acceptance Documents). We may update or otherwise modify these T&Cs and the other Acceptance Documents from time to time in our discretion (without notice to you). Each time that you participate in the Program, you will be deemed to have accepted and agreed to the versions of the Acceptance Documents in effect at the time the protection was requested or deemed to be requested (or, if the request or deemed request relates to a general election to protect future shipments of goods, the versions of such Acceptance Documents in effect at the time of booking of the applicable shipment of goods).

OFFER TO INCLUDE GOODS UNDER POLICY: Channel Partner or any of Channel Partner’s customers, business partners, merchants, franchisees or other third-parties that participate in advertising the Program (collectively, Program Partners) has provided you the opportunity to participate in the Program by protecting your eligible shipments of goods under one or more cargo insurance policies (Policies) issued through UPSCIA to either Channel Partner or UPS Capital Corporation, an affiliate of UPSCIA (UPSC). Your election to include your goods under the Program is entirely optional. You are not permitted to offer any other party the opportunity to participate in the Program and any such offer will be null and void.

CERTAIN END USERS AND SHIPMENTS NOT ELIGIBLE: End Users located or based outside of the United States are not eligible to participate in the Program. With respect to any End User that elects to participate in the Program for a business purpose, shipments with contents unrelated to such business purpose will not be protected under any Policy regardless of commodity type.

NO RIGHTS UNDER THE POLICIES: THIS OFFER IS NOT INTENDED TO AND DOES NOT PROVIDE INSURANCE DIRECTLY TO YOU. YOU ARE NEITHER AN INSURED NOR AN ADDITIONAL INSURED NOR DO YOU HAVE ANY OTHER RIGHTS UNDER ANY POLICY. IN THE EVENT OF A LOSS COVERED UNDER AN APPLICABLE POLICY, ANY RESULTING CLAIM PAYMENT MAY BE DIRECTED TO YOU BY CHANNEL PARTNER AS A LOSS PAYEE AND ONLY TO THE EXTENT OF YOUR INTEREST IN THE PROTECTED SHIPMENT.

POLICY DETAILS: All Policies for the Program are underwritten by an authorized insurance company (Insurer) and provided by UPSCIA. UPSCIA has prepared these T&Cs in part to summarize protection terms under the Program for your benefit in your capacity as a prospective loss payee. UPSCIA, UPSC, Channel Partner, and/or other parties may receive financial compensation in connection with the Program. You may request a copy of the Policies from Channel Partner or UPSCIA. All descriptions or illustrations of coverage provided herein are for general informational purposes only, are not statements of contract and do not amend, alter or modify any Policy or guarantee any specific price, quote or protection. For a complete understanding of the protection available, please review the terms, conditions, definitions, and exclusions of the Policies for their exact terms and conditions.

NO BROKER OR CUSTOMER RELATIONSHIP WITH UPSCIA: You acknowledge that we have no contractual relationship with you and do not serve as your broker, agent or other representative. We may communicate or otherwise interact with you from time to time to facilitate Channel Partner’s administration of the Program (including any administration occurring through another Program Partner), including by delivering invoices to you for shipment protection-related fees; receiving payments from you; receiving from you, and administering, claims under the Program; and delivering claim payments to you at the request of Channel Partner. No such communications or interactions shall be deemed to create a broker or customer relationship between you and UPSCIA or our affiliates.

PRIVACY NOTICE: USPCIA and its affiliates will need to collect and process personal data from time to time in connection with your election to participate in the Program, including with respect to the adjustment and payment of claims made under any Policy. For details about how UPSCIA and its affiliates process personal data, please see the UPS Capital Privacy Notice located at https://www.insureshield.com/us/en/legal/privacy-notice.html. By accepting these T&Cs, you warrant that (i) you have obtained any personal data provided to UPSCIA (whether directly or through a Program Partner) lawfully, (ii) you are authorized to provide such data to UPSCIA and its affiliates, and (iii) you have duly informed any of your customers whose personal data is provided to UPSCIA or its affiliates in connection Program that UPSCIA and its affiliates will process such data in accordance with the above-linked UPS Capital Privacy Notice in effect at the time of collection.

REQUESTING PROTECTION UNDER A POLICY: To request protection under a Policy for any shipment, you must provide specific information regarding the shipment to the applicable Channel Partner, Program Partner and/or UPSCIA and elect to protect the shipment, in each case in accordance with procedures established by Channel Partner and the applicable Program Partner and approved by UPSCIA from time to time.

COMPLIANCE WITH TRANSPORTATION CARRIER TERMS AND CONDITIONS: Your compliance with the transportation carrier’s shipping terms and conditions in effect at time of shipment shall be a condition precedent for protection under the Program. In accepting the transportation carrier’s shipping terms and conditions and these T&Cs, you do so on behalf of yourself and all parties with any interest in the goods.

ELIGIBLE CONVEYANCES AND ROUTES: Ground shipments are eligible for protection under the Program. International and domestic shipments are eligible for protection under the Program so long as you reside in the United States, provided that protection will be null and void whenever it (or any related payment or other transaction) would be in violation of any U.S. economic or trade sanctions.

LIMITS, TERMS, DEDUCTIBLES AND FEES: The Policies may provide for different terms, limits, deductibles, and fees depending upon the commodity types being shipped. Note that motorized vehicles are only eligible for “Free of Particular Average” or “FPA” coverage, meaning that only the risk of total loss is covered in most instances for such commodity types and not the risk of partial loss or damage. If you are asked to indicate the type of commodity being shipped, when requesting coverage for shipments containing multiple commodity types, choose the commodity representing the majority of items in the shipment, but be advised that each specific commodity type will remain subject to all the terms and restrictions applicable to that specific commodity type. Notwithstanding the foregoing, coverage under the Program is limited in all events to $10,000 per any one loss or occurrence, provided that mail or parcel post shipments (USPS) are subject to a $5,000 sublimity.

SCOPE OF PROTECTION: The Program provides shipment protection for physical loss and/or damage to package contents in the course of transit, subject to Program conditions, limitations and exclusions. The Program provides no protection for delay in transit or for consequential or indirect losses. The scope of shipment protection under the Program is summarized as follows:

Duration: Shipment protection under the Program commences upon the shipment of cargo leaving the shipment origin location and continues during the ordinary course of the transit, including customary transshipment, until the sooner of: (i) delivery to the final destination of the transport; or (ii) fifteen days after the shipment arrives at the destination port, airport or other hub, if not yet delivered to final destination of the transport (or thirty days if the destination to which the goods are protected is outside the limits of the port). You acknowledge that shipment protection under the Program may terminate before final delivery and that you are responsible for arranging and facilitating prompt final delivery of the shipment after its arrival at the destination port, airport or other hub.

Valuation: You should declare a value for new goods of invoice cost plus freight. You should declare a value for used or refurbished goods of actual cash value plus freight. In all cases, the claim payment will not exceed the lesser of verified valuation of the goods or the amount declared for shipment protection purposes, in each case less any applicable deductible. Loss valuations are subject to substantiation, and no Policy is an agreed value policy.

Notice of Co-Insurance Penalty: In the event that you declare a value that is less than the valuation provided for above, you will be compensated for a proportion of your loss based on the value that you declared and not based on any other valuation. For example, if you declared a value of $500 for a shipment of goods with an actual value of $1,000 (i.e., you declare a value for the goods equal to 50% of the actual value of the goods), and if a protected loss or damage event occurred which resulted in a loss with a value of $400, then the Program would only pay 50% of the loss value associated with such loss or damage, or $200.

Excluded Risks: Protection under the Program is subject to exclusions which include:

war risks for U.S. (continental) domestic shipments;

radioactive contamination;

delay, whether or not caused by an insured peril;

temperature variation, whether or not caused by a covered peril;

inherent vice;

fraud or infidelity by you, the shipper or consignee;

misrepresentation / false information by you, the shipper or

consignee;

cyber attacks;

illicit trade;

capture, seizure, arrest or detainment of goods by public

authority;

nuclear contamination;

rust, oxidation, discoloration, scratching, marring, denting,

chipping and/or electrical or mechanical derangement to used

goods, whether or not caused by a covered peril;

Consequential and indirect damages, such as loss of market,

depreciation, or diminution in value as a result of repair

improper, inadequate or otherwise unsuitable packing or preparation of the cargo, provided this exclusion will not apply to the extent that: (i) such packing or preparation was carried out by a third party other than you, the shipper, consignee or anyone bearing an interest in the cargo; and (ii) the deficiency was unknown to you, the shipper, consignee and anyone bearing an interest in the cargo;

fraud or infidelity by you, the shipper or consignee;

misrepresentation / false information by you, the shipper or

consignee;

a shipment of cargo being re-routed, stopped in transit or

retrieved at a point other than the original consigned delivery point pursuant to any instruction or representation to the transport carrier by a fraudster or imposter;

a shipment of cargo being sent as a result of fraud or trick upon the Customer, the shipper and/or consignee (including but not limited to product orders made by imposters);and

package labels being changed or revised in the course of transportation for the purpose of fraudulent redirection.

CLAIM REPORTING LIMITATION & CLAIM PROCESS: Pursuant to procedures established by Channel Partner and approved by UPSCIA, you must immediately report to Channel Partner or UPSCIA, as applicable, in writing any loss or damage to a protected shipment of cargo. As a condition precedent for shipment protection under the Program, notification of claims must in all events be submitted in writing within the following timeframes: (i) in the event of a claim for concealed loss or damage, within thirty (30) days from the date of delivery; or (ii) for all other claims, within nine (9) months from the date of delivery. In the event of a claim for non-delivery, the time-for-claim shall run from the date that the cargo was scheduled to have been delivered or should have reasonably been delivered, whichever is first in time. Loss verification will be required. You should take photos of any damaged goods, packaging and/or containers. Damaged goods, packaging and/or containers should be retained for inspection at the discretion of UPSCIA and/or the Insurer. By submitting any claim under the Program, you agree to fully cooperate with Channel Partner, other Program Partners, UPSCIA and/or the Insurer in providing all documentation and information pertinent to such claim, including an examination under oath if requested by the Insurer. At the direction of the named insured on the applicable Policy, we will remit proceeds of claims payable under the Policies directly to you as a loss payee pursuant to remittance instructions you provide. In all other cases, we will remit claim proceeds to Channel Partner (or, if applicable, to another Program Partner), and Channel Partner (or, if applicable, such other Program Partner) will be solely responsible for ensuring that such proceeds are paid to you.

NOTICE OF FULL AND ADDITIONAL TERMS: Under all circumstances, the terms and conditions set forth in the applicable Policy shall control and determine shipment protection. To the extent any terms and conditions stated herein conflict with those in any Policy, the Policy shall control and be binding as to issues of coverage under such Policy.

DAMAGES AND WARRANTIES:

Limitation of Direct Damages; Disclaimer of Indirect Damages: The cumulative aggregate liability of UPSCIA and its affiliates for all direct losses, claims, suits, controversies, breaches or damages for any cause whatsoever (Loss) and regardless of the form of action or legal theory shall be limited to the total insured value amount declared during the shipment booking process for the shipment at issue in the Loss, less (i) any amount(s) recovered or recoverable from any other party; (ii) any insurance proceeds that reduce the amount of the Loss payable under the applicable Policy or any other policy of insurance; and/or (iii) any amount(s) recovered or recoverable from any third party with respect to the Loss. Nothing in the foregoing shall limit End User’s rights to claims for shipment loss or damage properly payable under the Program. UPSCIA IS NOT LIABLE TO END USER FOR INDIRECT, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY, PUNITIVE, OR SPECIAL DAMAGES, INCLUDING LOST PROFITS, REGARDLESS OF THE FORM OF THE ACTION OR THE THEORY OF RECOVERY, AND REGARDLESS OF WHETHER SUCH DAMAGES WERE FORESEEABLE OR WHETHER UPSCIA OR ANY PERSON OR ENTITY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Warranties: EXCEPT AS OTHERWISE EXPRESSLY STATED IN THESE T&Cs AND THE PROGRAM, UPSCIA MAKES NO WARRANTIES, EITHER EXPRESS OR IMPLIED, OF ANY KIND. EXCEPT AS OTHERWISE EXPRESSLY STATED IN THESE T&Cs AND THE PROGRAM, END USER EXPRESSLY DISCLAIMS, AND EXPRESSLY WAIVES, ANY AND ALL WARRANTIES, INCLUDING, WITHOUT LIMITATION, THOSE OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. NO DESCRIPTIONS OR SPECIFICATIONS, WHETHER OR NOT INCORPORATED INTO THESE T&Cs AND THE PROGRAM, SHALL CONSTITUTE WARRANTIES OF ANY KIND.

EFFECTIVENESS; GOVERNING LAW: These T&Cs shall become effective when accepted (or deemed to have been accepted) by you and shall be governed by and construed in accordance with the internal laws of the State of Georgia, without regard to its conflict of laws principles.

JURY TRIAL AND CLASS ACTION WAIVER: END USER AND UPSCIA ACKNOWLEDGE THAT THE RIGHT TO TRIAL BY JURY IS A CONSTITUTIONAL RIGHT BUT MAY BE WAIVED IN CERTAIN CIRCUMSTANCES. TO THE EXTENT PERMITTED BY LAW, END USER AND UPSCIA KNOWINGLY AND VOLUNTARILY WAIVE ANY RIGHT TO TRIAL BY JURY IN THE EVENT OF LITIGATION ARISING OUT OF OR RELATED TO THESE T&CS. IN ADDITION, END USER WAIVES ITS RIGHT TO JOIN A CLASS OF OTHER END USERS AND/OR CONSUMERS TO BRING A CLAIM AGAINST UPSCIA, OR TO BRING OR BE A CLASS MEMBER IN ANY CLASS ACTION OR CLASS ARBITRATION PROCEEDING. THIS JURY TRIAL AND CLASS ACTION WAIVER WILL NOT AFFECT OR BE INTERPRETED AS MODIFYING IN ANY FASHION THE AGREEMENT TO ARBITRATE SET FORTH IN THE FOLLOWING SECTION, WHICH CONTAINS ITS OWN JURY TRIAL AND CLASS ACTION WAIVER. IF A COURT OR ARBITRATOR DETERMINES THAT THE AGREEMENT TO ARBITRATE BELOW IS INVALID OR UNENFORCEABLE, THE JURY TRIAL AND CLASS ACTION WAIVER WILL NONETHELESS CONTINUE TO APPLY.

AGREEMENT TO ARBITRATE CLAIMS: PLEASE READ THIS SECTION CAREFULLY AS IT AFFECTS YOUR RIGHTS AND REQUIRES YOU TO ARBITRATE (NOT LITIGATE) YOUR CLAIMS AGAINST US ON AN INDIVIDUAL (NON-CLASS) BASIS, AND WAIVES YOUR RIGHT TO A JURY TRIAL. End User and UPSCIA agree that, except for disputes that qualify for state courts of limited jurisdiction (such as small claims, justice of the peace, magistrate court, and similar courts with monetary limits on their jurisdictions over civil disputes), any controversy or claim between any person or entity, whether at law or equity, arising out of or related to any Policy and/or coverage of shipments thereunder, reg