Insights to Help Your Business

Protecting Your Shipments: Understanding the Difference Between Shipping Insurance and Carrier Liability

Unraveling the secrets of comprehensive coverage and avoiding shipment nightmares.

Male truck driver smiling and looking out the window

Shipping packages can be a stressful experience, especially when it comes to ensuring that your valuable goods arrive safely and securely. While carriers offer liability coverage for lost or damaged packages, this coverage may not be enough to fully protect your shipments.

Discover the key differences between shipping insurance and carrier liability and learn about the numerous benefits of comprehensive coverage for your valuable shipments.  Let's explore the five essential highlights that will enable you to make an informed decision when it comes to safeguarding your shipments.

1. Protecting Against Porch Piracy:

Safeguard your packages against the growing threat of porch piracy, a concerning reality in today's world.  A recent study reveals that 47% of surveyed consumers have reported experiencing or hearing about an increase in porch piracy incidents within the last year, a type of loss that carrier liability may not adequately cover. Furthermore, as travel becomes more frequent, 40% of surveyed consumers expressed concerns about not being home to receive packages, thereby intensifying the risk of theft. With comprehensive shipping insurance, such as InsureShield® protection, you can experience peace of mind, knowing that your valuable shipments are safeguarded against the rising threat of porch piracy.

2. Flexible Claims Process

When it comes to filing claims for shipping incidents, time is a precious resource that businesses cannot afford to waste. One of the remarkable benefits of InsureShield shipping insurance is the expeditious claims process it offers. Unlike carrier liability coverage, which can take weeks, even months for reimbursement, InsureShield coverage ensures claims are paid promptly, usually within days rather than weeks. This means you can quickly receive the compensation you deserve, saving valuable time and allowing you to focus on running and growing your business.

Moreover, InsureShield shipping insurance allows you to file claims within a generous timeframe of up to nine months after the estimated delivery date, with up to 90 days for concealed damage, providing ample opportunity to thoroughly inspect your packages. In contrast, freight carriers often have strict limitations on concealed damage carrier liability claims, requiring them to be filed within 5 days of delivery or even less, and parcel carriers generally within 60 days, leaving you with a limited window to act.  The extended claims filing window and comprehensive coverage offered by InsureShield shipping insurance provide a stark contrast to what carriers typically offer. By choosing protection like InsureShield shipping insurance, you gain the advantage of more time to file claims, enabling you to focus on efficiently managing and expanding your business operations.

3. Expedited Reshipment Options

 In the unfortunate event of a lost or damaged package, time is of the essence to get your shipment back on track. By choosing InsureShield coverage, you not only gain peace of mind knowing your shipments are protected, but you can also enjoy the added benefit of expedited reshipment options. This means that in the unfortunate event of loss or damage during transit, your items can be promptly reshipped, ensuring minimal disruptions to your business. What's more, your coverage includes  up to 20% of the insured value of your shipments for expedited reshipment charges, offering an additional layer of financial protection. In contrast, carrier liability coverage often falls short in providing such comprehensive coverage options, leaving you with fewer alternatives for quick resolution.

4. Expertise and Assurance

When it comes to shipping insurance, InsureShield protection stands out as a trusted choice. Unlike carrier liability offered directly by carriers, InsureShield coverage is provided through UPS Capital Insurance Agency, Inc., a licensed insurance producer with extensive experience in protecting multi-carrier shipments. This specialized expertise ensures that an InsureShield policy can tailor coverage options to meet your specific needs, offering comprehensive protection for your shipments.

Moreover, UPS Capital Insurance Agency, Inc. prioritizes customer satisfaction by providing personalized service and guidance throughout the shipping process to deliver a better shipping experience.  With customized insurance, you can rely on their expertise, assurance, and commitment to safeguard your shipments, resulting in a smoother shipping experience.

Obtaining shipping insurance provides essential protection that surpasses the limitations of carrier liability coverage. In today's landscape, where porch piracy is on the rise and package security is a growing concern, comprehensive coverage for your shipments is paramount.

By understanding the difference between carrier liability and shipping insurance, businesses can ensure a better shipping experience for both themselves and their customers. This proactive approach not only safeguards their bottom line but also fosters a thriving business by providing optimal customer satisfaction. Make the informed choice to protect your valuable goods with InsureShield shipping insurance coverage and prioritize the security and success of your shipments.

Ready to uncover the key differences? Download our PDF guide for a clear comparison between shipping insurance and carrier liability.

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Insurance coverage is offered through UPS Capital Insurance Agency, Inc., a licensed insurance producer. All descriptions or illustrations of coverage are provided for general informational purposes only and do not in any way alter or amend the terms, conditions, or exclusions of any insurance policy or program.  Insurance coverage is not available in all jurisdictions or to all customers.