Insurance Terms
Please review the complete PayHelm insurance coverage terms listed below. Understanding these terms ensures proper coverage for your shipments.
Pay Special Attention to These Coverage Requirements
Coverage Limits
Coverage is provided on a package-by-package basis with specific limits depending on the shipping service used.
| Shipping Service | Coverage Limit | Max Per Conveyance |
|---|---|---|
| USPS First Class Mail | $999.99 | $100,000 |
| DHL Global Mail (eCommerce) | $1,000.00 | $100,000 |
| FedEx SmartPost | $1,000.00 | $100,000 |
| UPS Mail Innovations | $1,000.00 | $100,000 |
| Other USPS, FedEx, UPS | $2,500.00 | $100,000 |
Signature Confirmation Requirements
Certain high-value items require signature confirmation for coverage eligibility.
Necklaces, earrings, watches, rings, bracelets, brooches, etc.
Direct or adult signature confirmation service required
Laptop computers, tablets, iPads, and similar devices
Carrier provided signature confirmation service required
Cell phones, smartphones, messaging phones, Android phones, iPhones, etc.
Carrier provided signature confirmation service required
Excluded Countries
The following countries are NOT covered by this insurance program.
No Coverage Available
Claim Requirements
Follow these requirements to ensure your claim is processed successfully.
Keep all packaging material and damaged goods in original form as received
File immediate notice with both the carrier and SHIPSURANCE
Complete claim form within 120 calendar days from shipment date
Provide photos of damaged goods and packaging, repair estimates, and recipient statement
Concealed Damage Discovery
Up to 15 days after final delivery
USPS/Consolidator Claims
Wait 20 days (domestic) or 40 days (international) before filing
All Documentation
Must be received within 120 calendar days
Special PayHelm Terms
Important information about PayHelm's role in providing insurance coverage.
Third-Party Insurance Provider
Your Responsibilities
- Ensure all information provided is accurate and truthful
- Verify listings are covered under these terms
- Use proper mailing services with tracking
Data Requirements
Each insured item requires specific data transfer to Shipsurance, including:
- • Your name and address
- • Item numbers and details
- • Data from platform APIs
Fraud Warning: Submission of false, fictitious, or fraudulent statements may result in imprisonment up to 5 years and fines up to $10,000 (18 USC 1001). Civil penalties up to $5,000 and assessment of twice the falsely claimed amount may also apply (31 USC 3802).