Ship and Insure
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Frequently Asked Questions

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General Information

1. What is shipping insurance, offered through is a private parcel insurance provider, offering parcel/shipping insurance at greatly reduced rates over carrier rates. Coverage from the carriers is rarely discounted and most often sold at inflated rates. Your policy provides coverage for direct physical loss to your shipments, subject to clearly spelled out exclusions listed in the policy. Claims service is expedited and payments are generally made by ten working days.
2. What is parcel insurance?
Parcel insurance is another name for shipping insurance. Parcel or shipping insurance covers the declared value of the package(s) you ship through carriers. If your package becomes lost or stolen, the parcel/shipping insurance will ensure the package is covered for the declared value.
3. What is the difference between the coverage provided by and what my carrier is offering?
Besides the price savings of insuring on, all member users are provided paper copies of the insurance coverage they are purchasing on their packages. Unlike some shipping carriers, who do not even call their coverage insurance, your protection is true insurance coverage that is spelled out in the policy and will not change from shipment to shipment.
4. Who is your underwriter?
PGI Commercial, LLC in Morristown, NJ is the Managing General Agent for the insurance program. Certain Underwriters at Lloyd's, London (not incorporated) began providing coverage for the facility on April 1, 2009 and is "A-Rated".
5. What shipping damage or loss is not covered by
Please read your policy carefully to review all exclusions. We will not pay for any loss or damage caused by delay, loss of use, loss of market, or insufficient or defective packaging. The policy also will not pay for any shortage in goods claimed to have been forwarded in a package when the package is received by the consignee in apparent good order with the seals unbroken. Scratching, tearing, wear, tear, dampness, insects, and gradual deterioration are also excluded.
6. If package contents are broken during shipment, is this covered?
Breakage is covered under certain conditions. It is your responsibility to package your collectibles so that they will arrive undamaged. Dropping the package from 3 ft. should not damage the contents. Any extreme or unusual damage to packages should be the responsibility of the shipper. The insurance offered by is designed to protect against unexpected loss to shipments which are out of the control of the sender, such as theft or fire. By limiting breakage to proven damage by the shipper, we are able to keep our rates low and pass the savings on to you. If you are shipping a high value item that is very susceptible to breakage, please talk to the shipper about insurance or other options that may be available to protect the shipment.
7. What is the maximum value of insurance per package?
The maximum limit is $75,000 per package. (View our shipping insurance rates) Higher limits are available if pre-approved. There are also restrictions based on zip code and type of shipment. We suggest, if possible, that you split your packages into two or more of lower values. Please review the Shipping Instructions and Procedures for details.
8. How do your rates work?'s rates are based on $100 units. For example: If your parcel has a declared value of $700, it contains seven (7) $100 units. Since the first $100 of insurance coverage is provided by most carriers at no cost (Not USPS), would be responsible for six (6) $100 units. If our rate for a particular shipment is $0.20 per $100 unit, your premium for this specific parcel would be only $1.20.
9. How do I stop insuring with the carrier?
When you ship with a carrier, do not record any 'declared or insured value' on the package or on forms. The carriers do not need to know that you are self insuring. To them it is a transparent process.
10. Who are the approved carriers for
Shipping insurance is provided for specific types of shipments made through Federal Express, United Parcel Service or the United States Postal Service. See our Rates page for covered shipment options. If you have a relationship with another carrier, contact us for approval of that carrier through
11. Must the receiving party sign for the package?
YES. If a shipment is released without a signature, coverage will not apply. Do not authorize any shipment to be released without a signature. Please review the Shipping Instructions and Procedures.
12. Is coverage provided worldwide?
The covered territory, in addition to the US and its territories and possessions, includes Canada and a host of countries around the world. View our list of approved countries. Shipments must originate in the US, unless pre-approved by If you frequently ship to a country not on our list, contact us for consideration to ship to that country.
13. Can I make a recommendation for improving your service or website?
We appreciate all comments and recommendations from our customers. In fact, our website upgrade was a direct result from constructive input from our valued customers.
14. Can I get more insurance needed to cover a package in excess of $75,000 value?
Yes, coverage can be requested up to $500,000. Contact us for approval 24 hours prior to your shipping date for underwriter's discretionary approval based on amount, identification of items and location where your package is to be shipped. Rates may vary.
15. What if a country I wish to ship a package to is not on your country list? Can I request and receive approval for this shipment?
Contact us at least 24 hours prior to your desired shipment date for approval. Our underwriters may approve your shipment at a premium higher than $.65 per $100 value with a maximum limit on value. Rates may vary.


1. How do I file a claim?
First, notify the police if you suspect a law may have been broken. Promptly notify the carrier. Then call (877) 393-5310 and describe how, when and where the loss or damage occurred. We will send you a sworn proof of loss form that must be completed within 10 business days. If the covered property is in your possession, you must take all reasonable steps to protect the property from further damage. Fill out the online claim form and follow all instructions for required documentation. There are different items required depending on what carrier was used. If you submit a claim online, you will still need to print the proper claim form and submit the required documentation. You must cooperate with us in the investigation or settlement of the claim. Please review your policy for details.
2. Do I do anything different if my claim is for the US Postal Service?
YES. You must wait 30 days before submitting a claim for lost parcels. Use the online claim form and follow all instructions for required documentation. Please review your policy for details.


1. How do I become a member of NACA and how long does it take?
See the Getting Started page for full details on how to become a member. This process can usually be completed within two business days of receiving your completed application.
2. Can I use a credit card to pay my NACA membership dues?
YES. Dues can be remitted to NACA using the online form. Yearly dues are $135 for users.


1. What should I do if I get a technical error when completing my purchase?
Call technical support at (877)393-5310.
2. Why have I been logged out automatically?
After 20 minutes of inactivity, a user is automatically logged out for security purposes. • 3002 Hempland Rd. Suite B, Lancaster, PA 17601-1362
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