Policy Coverage Terms

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Policy Administered by:
Online Shipping Insurance Services, Inc. DBA InsureShip
3211 Cahuenga West Suite #200
Los Angeles, CA 90068
License #0G55434

Easyship Insurance is provided by InsureShip and backed by The Navigators Group and The Hartford, both rated A+ “Excellent” by A.M. Best. It's important to know that Easyship itself is not an insurance company; InsureShip manages all claims related to Easyship insurance.

This insurance covers your shipment and its contents against damage or loss due to external causes while it’s in transit. The coverage applies when the package is in the care, custody, or control of the carrier, whether it's being sent to or from your location. If a claim is approved, the underwriters will cover the invoice value of the lost, damaged, or destroyed item. If the item is damaged but repairable, the insurance will cover the cost of repairs to restore it to its original condition.

If an invoice is not available, the compensation will be based on the Actual Cash Value (ACV), which is the replacement cost minus depreciation. Please note that the insurance does not cover situations caused by government or public authority actions, such as delivery delays, confiscation, destruction of goods, or shipments returned to the sender.

Coverage Limits

The maximum insurable value for your item and shipping costs is $10,000.00 USD per shipment. Shipments exceeding this value can still be insured, but any reimbursements for accepted claims will be capped at the $10,000.00 USD limit.

Declared Items Coverage Clause

This insurance policy covers only the items explicitly declared and insured at the time of purchase. The insured must accurately declare all items, including the number of parcels and their contents when obtaining coverage.

Coverage Limitation:

• Only the declared and documented items are eligible for coverage under this policy. Any additional items or parcels not included in the original insurance declaration will not be covered, regardless of whether they are shipped alongside the insured items.
• If multiple parcels are shipped and only a portion of them is declared for insurance, only the declared parcels are covered. Any loss, damage, or non-arrival of undeclared items or parcels will not be eligible for claims.

Items Not Covered by Insurance

• Bulk Shipments: Items shipped in large, unpackaged quantities loaded directly into a transport container.
  Example: Gravel, pellets, seeds, gasoline.
• Cotton: Raw or unprocessed cotton.
  Example: Cotton bales straight from the harvest.
• Cash-in-Transit: Items involving the movement of money or monetary instruments.
  Example: Banknotes, coins, credit cards.
• Computer Chips: Small, semiconductor devices used in electronics.
  Example: Microchips used in smartphones or computers.
• Cigarettes and Electronic Cigarettes: Tobacco products and their electronic counterparts.
  Example: Packets of cigarettes or e-cigarette cartridges.
• Eggs: Any type of eggs, whether raw or processed.
  Example: Cartons of chicken eggs or powdered egg products.
• Fine Art: Unique or one-of-a-kind artworks, including paintings, sculptures, and drawings.
  Example: An original oil painting or a hand-carved sculpture.
• Flowers: Fresh, cut, or potted flowers.
  Example: Bouquets of roses or potted orchids.
• Fresh Foods: Unpreserved foods that are perishable.
  Example: Fruits, vegetables, fresh meat, or dairy products.
• Live Animals: Any living creatures being transported.
  Example: Dogs, cats, fish, or livestock.
• Perishables: Items with a limited shelf life that can spoil or decay.
  Example: Frozen seafood, fresh produce, or dairy products.
• Memory Devices: Devices used for data storage.
  Example: Solid State Drives (SSDs), hard disk drives (HDDs), or SD cards.
• Negotiable Papers: Documents that guarantee payment or transfer of money.
  Example: Checks, promissory notes, or bills of exchange.
• Personal Goods: No coverage applies to any items intended for personal, household, or non-commercial use, regardless of how they are described or the account under which they are shipped. Any claim asserting a business or commercial purpose for such items is void under this exclusion, and no coverage will be provided under any circumstances.
• Precious Stones: Valuable gemstones not set in jewelry.
  Example: Loose diamonds, rubies, sapphires, or emeralds.
• Precious Metals: High-value metals such as gold, silver, platinum, or palladium.
  Example: Gold bars or silver ingots.
  Note: This exclusion does not apply to jewelry containing these metals.
• Species: Protected or endangered wildlife or plant species.
  Example: Elephant ivory or endangered wood types.
• Televisions & Computer Screens: TVs and computer monitors.
  Example: A 42-inch LED television or a computer display.
• Laptop Computers : Portable personal computers.
  Example: A MacBook or Dell laptop.
• Merchandise shipped in consignment, memorandum, or approval unless shipped in fulfillment of an order or request: Items shipped for evaluation or consignment without a specific order.
  Example: Artworks sent to a gallery for display without a confirmed purchase.
• Illegal Contraband: Goods that are illegal to possess, produce, or distribute.
  Example: Narcotics, counterfeit currency, or stolen goods.

Time to File Claims and Guidelines

Claims must be filed within 90 calendar days from the date of shipment. Below are the conditions under which claims can be submitted:

Lost Shipments:

• Domestic Shipments: File after 20 calendar days from the last tracking update.
• International Shipments: File after 30 calendar days from the last tracking update.

Damaged Shipments: Claims for damaged items can be filed immediately upon discovery. In cases where the shipment is still stuck in transit and you are notified of the damage by the courier kindly reach out to [email protected].

Required Documents for Filing an Insurance Claim

To successfully file an insurance claim, you will need to provide the following documents:

• Online Claim Form: This is completed when you file the claim through your Easyship dashboard. (Refer to this article for guidance).
• Proof of Value: A sales or purchase invoice demonstrating the value of the item(s) being claimed.
• Recipient Statement of Non-Receipt or Damage: A statement from the recipient confirming they did not receive the shipment or reporting the damage.
• Pictures of Damage, Repair Estimate, or Salvage Value: If applicable, include images of the damage, an estimate for repairs, or the salvage value. Also, include pre-shipping images that clearly show the packed items inside the packaging, as well as photos of the outer box. These can help support your claim.
• Verification/KYC (Know Your Customer): Documents required for validation and to help detect and prevent fraudulent claims.
• Report from Local Authorities (if required): This may be required if requested by the insurer for certain claims.
• Investigation Report from Courier (if required): This document might be necessary if requested by the insurance company during the claim process.

Important Note:

• Failure to retain the damaged property, both the damaged item and the box with internal packaging until the claim is resolved will result in the denial of the claim.
• It is also encouraged to take photos before sending the shipment, including images showing the packed items inside the packaging and the outer box. This can provide valuable evidence if a claim needs to be filed. If this is not provided it can lead to denial of the claim.

Claim Processing Information

• Review Time: Claims will be reviewed within 5 to 7 business days. If additional documents are requested, an extra 3 business days may be added to the review period.
• Payment: Once the claim is approved, payment will be made directly to the policyholder.

For any questions or assistance with your claim, please reach out to [email protected].

Countries Not Covered by Insurance

Coverage exclusions may change based on OFAC (Office of Foreign Asset Control) embargoes:

• Afghanistan
• Angola
• Bolivia
• Burma
• Iran
• Iraq
• Congo
• Ivory Coast
• Lebanon
• Liberia
• Libya
• Nigeria
• North Korea
• Paraguay
• Somalia
• Syria
• Zimbabwe
• Venezuela
• Russia
• Ukraine

Excluded Events/Perils

The following situations are not covered under Easyship Premium Insurance:

• Improper Addressing or Packaging: Loss, damage, or non-arrival of any parcel due to it being addressed, wrapped, or packed insufficiently, incorrectly, or not in accordance with the packaging requirements of the carrier being used.
• Descriptive Labels: Parcels that bear labels or packaging that describe the nature of the contents, which can increase the risk of loss or damage.
• Packaging Guidelines: To ensure your shipments are eligible for insurance and protected during transit, always follow the carrier's packaging requirements. For detailed instructions and best practices, refer to How to Pack Shipments. Proper packaging and following these guidelines can help minimize the risk of claims being denied due to insufficient or improper packaging.

Excluded Causes of Loss or Damage

Easyship Premium Insurance does not cover loss or damage resulting from the following situations:

• Changes in Temperature or Humidity: Loss or damage due to temperature or humidity fluctuations.
  Example: Food spoiling due to high heat during transit.
• Clean-Up Costs: Expenses incurred from cleaning up or decontaminating a shipment.
  Example: Costs for cleaning up a chemical spill from damaged containers.
• Confiscation or Destruction Under Customs Regulations: Losses caused by customs authorities seizing or destroying the shipment.
  Example: A parcel containing restricted items being seized by customs.
• Confiscation, Destruction, or Decision to Return to Sender by Any Government or Public Authority: When a public or government authority confiscates, destroys, or decides to return the shipment.
  Example: A government agency intercepts a package for inspection and chooses to return or destroy it.
• Delay: Losses due to delayed delivery that result in product devaluation.
  Example: Perishable goods losing value due to delayed delivery.
• Dishonesty: Loss or damage caused by dishonest actions.
  Example: An employee tampering with a package and removing items before shipping.
• Hostile or Warlike Action (During Peace or War): Losses caused by acts of war or hostile actions, regardless of whether they occur during wartime or peacetime.
  Example: A shipment being damaged during civil unrest or an attack.
• Illegal Contraband: Losses involving prohibited or illegal items.
  Example: A package containing banned substances being seized by authorities.
• Illegal Transportation or Trade: Loss resulting from unauthorized or illegal trade activities.
  Example: Smuggling goods that violate trade laws.
• Inherent Vice: The natural quality of an item that causes it to deteriorate or damage itself over time.
  Example: Chocolate melts during warm weather transit due to its properties.
• Latent Defect: Hidden flaws in an item or workmanship that are not visible upon general inspection.
  Example: An internal crack in a ceramic vase that causes it to break during transport.
• Loss of Market: Losses due to reduced market value of goods after delayed or missed delivery.
  Example: Seasonal goods losing value because they arrive after the peak sales period.
• Nuclear Exclusion: Loss or damage caused by nuclear reactions, radiation, or radioactive contamination.
  Example: A package exposed to radiation from an industrial accident.
• Other Deterioration: Damage caused by general deterioration or wear and tear not linked to transit issues.
  Example: A product naturally degrading due to age or storage conditions.
• Over Acts by Insured, Associate in Interest, or Insured's Employees: Loss caused by intentional acts by the insured party or associates, whether during working hours or not.
  Example: An employee mishandling a package to stage a damage claim.
• Remote or Consequential Loss: Indirect losses, regardless of whether they result from an insured peril.
  Example: Lost future profits due to late delivery impacting business reputation.
• Fraudulent Schemes: Loss from delivering products to individuals who use false pretenses or scams to obtain them.
  Example: A shipment delivered to a recipient using a stolen identity or payment fraud.
• Stolen or Damaged Parcels Post-Delivery: Loss, theft, or damage to parcels that occur after they have been successfully delivered to the recipient's address are not covered under Easyship's Premium Insurance. Once a shipment is marked as delivered, any loss, theft, or damage occurring thereafter is excluded from the policy.

Coverage Conditions

Easyship Premium Insurance does not cover loss or damage under the following conditions:

• War and Hostile Actions: Coverage excludes loss or damage caused by warlike actions during times of both peace and war, including actions related to impending or actual attacks.
  Example: Damage due to military conflict or terrorist acts.
• Nuclear Exclusion: Loss or damage resulting from nuclear reactions, radiation, or radioactive contamination is not covered, regardless of the cause.
  Example: Any damage due to a nuclear accident.
• Governmental Actions: Losses due to actions by a government authority, such as confiscation, destruction under quarantine or customs regulations, or any decision to seize goods.
  Example: Customs seizing a package for inspection and destroying it.
• Illegal Transportation or Trade: Coverage excludes any loss or damage involving contraband or illegal transportation.
  Example: Shipping prohibited goods that result in seizure.
• Insurrections and Civil Disturbances: No coverage for damage or loss due to rebellion, revolution, civil war, or similar events.
  Example: Property damage during civil unrest.

Filing Claims and Deductibles

• Deductible: If applicable, a deductible will be subtracted from the claim amount or liability limit, whichever is less, per parcel.
• Waiting Period for Filing Claims:
  
  • Non-Delivery: Claims can be filed after 20 days for domestic shipments and 30 days for international shipments.
  • Damage: Claims can be filed immediately upon identifying the damage.
• Timeframe: Claims must be filed within 90 days from the date of shipment.

Required Documentation:

• Completed claim form submitted online.
• Original invoice or sales receipt.
• Signed and dated statement from the recipient.
• Proof of damage (photos, estimates).
• Additional documents as requested.

Important Note:

• Damaged property must be retained until the claim is resolved. Failure to do so will result in claim denial.
• Taking pre-shipment photos showing items inside the packaging and the outer box is strongly recommended for supporting potential claims. Refer to How to Pack Shipments for detailed packaging guidelines.

Claim Processing and Documentation Timeline

The insured has up to one year from the shipment date to provide any requested or additional documentation. If documentation is not furnished within this period, the claim will be denied.

Claims will be paid promptly once all required documentation is received and reviewed, unless the Underwriters opt to replace the damaged property with an equivalent item.

Subrogation Rights

Upon payment, the Underwriters gain the right to recover the claim amount from any liable parties. The insured agrees to assist in this recovery process.

Fraudulent Activity

If fraudulent activity by carrier employees is proven, the insured must take action against the carrier and cannot hold Online Shipping Insurance Services liable.

Legal Action

No legal proceedings for claim recovery are allowed unless initiated within 12 months of discovering the claim-related issue. This timeframe may vary based on legal validity.

Termination of Coverage

Coverage can be terminated by either the insured or the Underwriters with a 15-day written notice, but this will not affect shipments already in transit. Notice will be sent to the last known address of the insured via mail or email.

Easyship Insurance – Fraud Policy

By purchasing Easyship Insurance, you confirm that all provided information is accurate and truthful. Any fraudulent claim will result in the denial of the claim and may subject the shipper and/or consignee to legal action, including prosecution for mail fraud under federal law.