Does shipping insurance cover perishable items?
Protecting your package with shipping insurance can be a tricky game that is constantly evolving and not as simple as one might think. For example, shipping insurance covers laptops and jewelry…but only if you add your signature confirmation to any service you choose. In addition to such provisions, shipping insurance does not cover certain everyday items at all. Unfortunately, food and perishables are examples of items that insurance companies specifically exclude from coverage.
Shipping insurance companies do not cover perishable items
Unfortunately, all shipping insurance companies do this no Covers perishable items such as fruits, vegetables, and other foods. Insurance companies don’t cover these types of items because they can easily spoil without refrigeration or freezing. Occasionally, unforeseen circumstances may prevent a carrier from delivering a non-guaranteed package within its estimated time frame, which may cause perishable content to deteriorate. As a result, you will often see these companies explicitly exclude perishable items from coverage in their terms and conditions.
What about built-in insurance for major carriers?
Similar to shipping insurance companies, none of the major carriers (USPS, UPS, and FedEx) will pay claims for packages that contain perishable items. This includes cases where the package arrives with damaged contents.operator possible A claim is paid if a package containing perishable items is lost (we sometimes see this happening). However, whether they do this is ultimately at their discretion, and they make no guarantees until anyone buys postage for these particular goods.
What else is not covered by shipping insurance?
Several other items are explicitly excluded by shipping insurers. We’ve compiled a list of some of the other most common exclusions below:
- Cash, money orders, prepaid letters and other forms of currency
- Plants (shipping insurance also designates plants as perishables)
- live animal
- Sports Cards, Comics, and Collectibles (only if you don’t have a pro level)