Cargo coverage

1. Who insures you

Coverage is arranged through Falvey Insurance Group under a shipper’s-interest program issued to Provenance SCS Inc., and is underwritten 80% by Accredited Surety and Casualty Company and 20% by Point Specialty Insurance Company.

ShipEasy acts solely as an intermediary in arranging coverage. ShipEasy is not the insurer, co-insurer, or guarantor of any claim.

2. What it costs, and what it pays

• $0.30 per $100 of the value you declare, on an LTL shipment. That is the insurer’s own rate — we pass it through and add nothing.
• Minimum premium $15 per shipment. Below about $5,000 of declared value, the minimum is what you pay.
• Up to $250,000 of declared value per LTL shipment. Above that we cannot insure online — contact support and we will arrange coverage before pickup.
• Coverage is primary: the insurer pays the covered amount from the first dollar and then pursues the carrier itself, rather than waiting for the carrier to pay.
• Coverage lasts for the shipment’s time in transit.

2.1 Deductibles

By the value you declare:

• Up to $10,000 — $0
• $10,000.01 to $25,000 — $500
• $25,000.01 to $100,000 — $1,000
• Above $100,000 — 2% of the insured value

The deductible applies to a claim; it never changes the premium. The band that applies to your shipment is shown to you before you pay.

3. How your goods are valued

A claim is paid on the lesser of (a) the value you declared on the certificate, (b) the invoice amount including its charges, plus prepaid, advanced or guaranteed freight, plus 10%, or (c) the cost of repair, including parts, labour and return freight.

Goods with no invoice, or an invoice dated more than 120 days before the shipment, are valued at actual cash value — replacement cost less depreciation — plus declared freight. Declaring more than your goods are worth buys a larger premium, not a larger payout.

4. Coverage attaches when the certificate is issued

Electing coverage at booking is a request. A certificate of insurance is issued for your shipment before pickup, and coverage attaches at that point — not when you paid. We tell you when it has been issued.

If a certificate is not issued, we refund the premium in full and tell you, so that you can arrange your own coverage or decline to tender the shipment. That refund is ShipEasy’s sole liability for failing to place coverage; see Terms § 15.3.

Once a certificate has been issued the premium is not refundable, except to the extent we can cancel the certificate with the insurer.

5. Packing requirements that coverage depends on

These are conditions of coverage: if they are not met, cover does not attach at all.

• Electronics — LCD monitors, televisions, mobile phones, handheld electronic devices, laptops, tablets and similar devices — must be professionally packed or in new original manufacturer packaging.
• Fragile goods — glass, ceramic, marble, granite, tiles, pottery and similar breakables — must be professionally packed, evidenced by pre-shipment photographs or a professional packing receipt, or be in new original manufacturer packaging.
• Original or fine art must be accompanied by an invoice or professional appraisal dated within 90 days before the shipment.
• Used household goods and personal effects must be professionally packed with a valued itemised inventory completed before shipment, and are covered for physical damage only where an insured peril is demonstrated.
• Hazardous materials must be shipped in accordance with the U.S. DOT Hazardous Materials Regulations, 49 C.F.R. Parts 171–180.
• Firearms and ammunition must be shipped in accordance with 27 C.F.R. Part 178.
• Hemp and hemp products must be under 0.03% THC and lawful at both federal and state level everywhere along the route.

Some of the goods listed here may not be tendered through ShipEasy at all — see the Acceptable Use Policy.

6. What is not covered

Loss or damage caused by delay is not covered, whatever the reason for the delay.

Temperature-controlled goods are covered against physical loss or damage from an external cause, but spoilage, decay, change in temperature and deterioration are excluded unless caused by a refrigeration breakdown lasting at least four consecutive hours, evidenced by an engineer’s log or an accurate temperature recording device.

6.1 Commodities that cannot be insured

Accounts. Automobiles and motorcycles (licensed road worthy vehicles). Bills. Bulk cargo (loose dry or liquid cargo, unpackaged or non-containerized). Cash. Checks. COD payments. Coins. Cotton. Currency. Deeds. Documents. Evidence of debt. Flowers. Fresh foods and produce (frozen foods in reefer trailers are covered). Gemstones (loose stones). Gift cards. Gold, silver and other precious metals. Grandfather and grandmother clocks. Live animals. Manuscripts. Models, including ships, cars, airplanes and architectural models. Money orders. Neon items. Notes. Original or fine art valued over $20,000 per piece. Perishable goods or similar property when not carried or stored in a temperature-controlled environment. Pharmaceutical drugs. Plants. Plate and flat glass. Sailboats, motorized boats and yachts. Securities and other negotiable papers. Tickets. Used engines and motors. Windows.

Some of these we will not carry at all — see Acceptable Use Policy § 1.7. Others ship perfectly well and simply cannot be insured. Electing coverage never makes a prohibited commodity shippable.

6.2 Where it is covered

Coverage follows the shipment we move for you, which is domestic freight within the contiguous United States — we do not quote, book or move international shipments. The insurer’s policy carries country exclusions and rules for inland transit abroad; none of them can arise on a shipment booked here.

7. Making a claim

Tell us as soon as you discover loss or damage, through support on the shipment itself or at support@shipeasyco.com. We present the claim to the insurer, which handles it under its own policy and time limits.

What to keep, because a claim usually turns on it: the original signed delivery receipt noting the damage, photographs taken at delivery, the product invoice or purchase order showing replacement cost, and — for electronics and fragile goods — evidence of how the goods were packed.

Any proceeds we receive on your behalf are passed to you, less the deductible that applied to your declared value and any amount you owe us on the shipment. The carrier claim deadlines in SSA § 7 still run, so tell us promptly whether or not you elected coverage.

8. Contact

• Coverage and claims: support@shipeasyco.com
• Legal notices: legal@shipeasyco.com