> ## Documentation Index
> Fetch the complete documentation index at: https://docs.simplisent.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Shipping Insurance

> Protect your packages against loss, damage, or theft with insurance powered by EasyPost

## Overview

SimpliSent offers shipping insurance through EasyPost at a flat **1% of declared value**, up to \$5,000 per shipment. Coverage works with all carriers (USPS, UPS, FedEx) and applies to both domestic and international shipments.

| Declared Value | Insurance Cost |
| -------------- | -------------- |
| \$100          | \$1.00         |
| \$250          | \$2.50         |
| \$500          | \$5.00         |
| \$1,000        | \$10.00        |

Some carriers include $50-$100 of liability coverage by default. SimpliSent insurance supplements this and covers up to your full declared value.

***

## How to Add Insurance

1. Enter the **[declared value](/compliance/shipping-terms#declared-value)** of your items when creating a label
2. Check the **insurance box** during label creation
3. The cost (1% of declared value) is added to your label total
4. Coverage applies instantly once the label is purchased

<Tip>
  Always declare the full replacement value of your items, not the sale price or depreciated value.
</Tip>

***

## What's Covered

* Lost packages that never arrive
* Damaged contents from transit
* Stolen packages (porch piracy)
* Domestic and international shipments

## What's Not Covered

* Coins, bullion, currency, tickets, negotiable documents
* Perishables (unless fire-related spoilage)
* Improper or insufficient packaging
* Cosmetic damage to packaging only
* Personal goods, gifts, samples, or promo items
* Consignments not tied to customer orders
* Prohibited or sanctioned destinations
* Losses due to war, nuclear events, or customs seizure

See the full [EasyPost Shipping Insurance Policy](https://www.easypost.com/legal/shipping-insurance).

***

## Filing a Claim

Insurance claims are processed by EasyPost, our shipping infrastructure partner.

### Deadlines

| Claim Type         | Window                                      |
| ------------------ | ------------------------------------------- |
| Damage             | Within 30 days of label creation            |
| Domestic loss      | Between 15 and 60 days after label creation |
| International loss | Between 30 and 90 days after label creation |

<Warning>
  Claims filed outside these windows are not eligible for reimbursement.
</Warning>

### How to File

1. **Gather documentation**: original receipt/invoice, shipping label with tracking number, photos of packaging and damage, customer statement (if theft or non-delivery), repair estimates (if applicable)
2. **Submit your claim** through the [EasyPost claims portal](https://app.easypost.com/claim-form)
3. **Provide claim details**: tracking number, claim type (lost/damaged/stolen), package value, incident description, and contact information
4. **Upload your documentation** as attachments
5. **Submit and track**: you'll receive a confirmation with a claim number and updates via email from EasyPost

### Processing Timeline

* **Initial review**: 1-2 business days
* **Investigation**: 5-10 business days
* **Decision**: typically within 30 days
* **Payout**: 7-10 business days after approval

### Claim Payouts

EasyPost issues payouts via:

* Direct deposit (bank transfer)
* Check (mailed to your address)
* Credit card refund (if applicable)

### Denied Claims

Common reasons for denial:

* Missing or incomplete documentation
* Filed outside the eligibility window
* Item excluded from coverage
* Pre-existing damage unrelated to transit
* Declared value does not match proof of value

If denied, you can gather additional documentation and resubmit within **30 days** of the denial.

***

## Troubleshooting

**Insurance not available?**

* Package may exceed the \$5,000 maximum
* Destination country may be restricted
* Item type may be excluded from coverage

**Need help?** [Contact support](mailto:support@simplisent.com) for assistance with insurance questions.