Interapptive Insurance is managed by U-PIC and underwritten by Lloyds of London which has been given an A.M. Best Rating A+ ‘Excellent’. U-PIC’s broker is Roanoake, Inc. Lloyds of London is the largest Underwriter in the World. Interapptive, Inc. is not an insurance company. U-PIC has been a partner of the US Postal Service for years. Interapptive Insurance applies to packages shipped with FedEX, UPS, the United States Postal Service, and any other shipments processed using the "Custom" shipment option in ShipWorks. Please call 800-955-4623 option 4 if you have any questions regarding the coverage or need information on submitting claims.

THIS COVERAGE INSURES the parcel and its contents against damage or loss from any external cause, including war risks as per American Institute cargo clauses (April 1, 1966) as applicable American Institute strikes (Form 10) while in transit to or from premises utilized by the insured and in care, custody, or control of carriers listed to destinations worldwide, EXCEPT as hereinafter excluded. Underwriters shall be liable for the invoice value (that is declared) of property lost, destroyed or damaged, however, in the event there is no invoice, underwriters shall be liable for the actual cash value of the property.

Interapptive Insurance covers up to $5,000 per parcel.

The following international countries are excluded: Afghanistan, Algeria, Angola, Bangladesh, Barbados, Benin, Bolivia, Brazil, Bulgaria, Burkina Faso, Burma, Burundi, Cambodia, Cameroon, Cape Verde, Central African Republic, Chad, Congo, Cuba, Djibouti, Dominican Republic, Ecuador, Ethiopia, Gabon, Ghana, Guinea, India, Indonesia, Iran, Iraq, Jordan, Kenya, Liberia, Libya, Malaysia, Mali, Mauritania, Morocco, Myanmar, Niger, Nigeria, North Korea, Oman, Pakistan, Papua/New Guinea, Poland, Romania, Rwanda, Senegal, Seychelles, Sierra Leone, Slovenia, Solomon Islands, Somalia, Sudan, Syria, Tanzania, Togo, Tunisia, Uganda, Yemen, Yugoslavia.

For any shipments containing jewelry and/or coin(s), U-PIC will not provide coverage for items shipped to the following zip codes: 10036, 10017, 94102 and 94108.

1. Accounts, bills, tickets, currency, deeds, evidence of debt, money, notes, securities, bullion, furs, perishable cargo, televisions, personal goods, or similar property unless endorsed here on in writing.
2. Merchandise shipped on consignment, memorandum or approval unless shipped in fulfillment of an order or request.
3. Loss, damage, or non-arrival of any parcel of its contents which (a) is addressed, wrapped or packed insufficiently, incorrectly or contrary to the carrier's packaging requirements; or (b) bears a descriptive label or packaging which tends to describe nature of contents.
4. Any parcel containing personal goods shipped to accommodate an employer or employee.
5. Against loss or damage caused by or resulting from: (a) hostile or warlike action in time of peace or war, including action hindering combating or defending against an actual, impending or expected attack, (1) by any government or sovereign power (de jure facto), or by any authority maintaining or using military, naval or air forces, or (2) by military, naval or air forces, (3) by an agent of any such government power, authority or forces; (b) any weapon of war employing atomic fission or radioactive force whether in time of peace or war; (c) insurrection, rebellion, revolution, civil war, usurped power or action taken by governmental authority in hindering, combating or defending against such an occurrence, seizure or destruction under quarantine or Customs regulations, confiscation by order of any government or public authority or risks of contraband or illegal transportation of trade.
6. NUCLEAR EXCLUSION. Notwithstanding anything herein contained to the contrary, it is hereby understood and agreed that this policy shall not apply to any loss, damage or expense due to or arising out of, whether directly or indirectly, nuclear reaction, radiation, or radioactive contamination regardless of how it was caused. However, subject to all provisions of this policy, the direct physical damage to the property insured, located within the United States or any territory of the United States or Puerto Rico by fire directly caused by the above excluded perils, is insured, provided that the nuclear reaction, radiation, or radioactive contamination was not caused, whether directly or indirectly, by any of the perils excluded by this policy. Nothing in the above wording shall be construed to cover any loss, damage, liability or expense caused by nuclear reaction, radiation, or radioactive contamination arising directly or indirectly from the fore mentioned above.
7. Arising out of infidelity, dishonesty, fraud, misrepresentation, illegal action, or any overt act on the part of the Insured, associate in interest, and/or any of the Insureds employees or agents of any kind whether occurring during hours of employment or otherwise nor on the part of custodians (common carriers excepted), or the property insured unless specifically endorsed hereon in writing.
8. 8. Arising out of loss of market, latent defect, inherent vice, delay, loss of use, clean up costs, decay, changes in temperature or humidity, or other deterioration, any remote or consequential loss, whether or not arising out of a peril insured against.

1. It is WARRANTED by the Insured that all parcels under this coverage will be shipped in strict accordance with all regulations of the carrier and amendments thereto.
2. THE UNDERWRITERS SHALL NOT BE LIABLE for any loss or damage to property covered by other valid and collectible Insurance nor for carrier's liability. Coverage shall be for EXCESS of aforementioned. COVERAGE IS CONTINGENT upon Insured being reimbursed by the carrier for carrier's liability. Payment from the carrier does not guarantee approval of claim.
3. The DEDUCTIBLE, if any, shall be deducted from the amount of the claim or Liability Limit, whichever is less, on a 'per parcel' basis and borne by the Insured. The Insured shall be responsible for (and entitled to) collecting any amount for which the carrier may be liable.
4. Failure of the Insured to cooperate with all reasonable requests will result in suspension of coverage and denial of any and all claims.
5. The Insured will file notice of non-delivery or damage with the carrier (FedEx, UPS, and “All Other” shipments with the exception of USPS shipments) within the carrier's claim reporting period, but in no event shall such notification exceed thirty (30) days from date Insured had knowledge of said non-delivery or damage. All claims are to be submitted to U-PIC within sixty (60) days from the date on the carrier's check. The Insured will submit a completed Interapptive claim form, proof of carrier payment, copy of carrier tracer form showing L.D.I. or other identifying number, copy from original invoice to consignee, whichever of the aforementioned is applicable, and any additional documentation requested to substantiate loss. Handling fees and insurance fees are excluded from coverage. All damaged property for which payment (not repair costs), or replacement has been made, must, on request be returned to Underwriters. Failure to hold the damaged property until the claim has reached a resolution will result in the denial of the claim.
6. The Insured must file notice of non-delivery or damage with U-PIC within ninety (90) days from date of shipment for United States Post Office shipments. There is a twenty-one (21) day waiting period before the Insured may file a notice of non-delivery to U-PIC for packages shipped domestic via the United States Post Office. No claims will be honored if filed after the 90 day expiration period. The Insured will submit completed Interapptive claim form, copy of the original invoice to the consignee, and any additional documentation requested to substantiate loss. Shipping costs must be included in the declared value in order to be paid with claim. Handling fees and insurance fees are excluded from coverage. All damaged property for which payment (not repair costs) or replacement has been made, must, on request be returned to Underwriters. Failure to hold the damaged property until the claim has reached a resolution will result in the denial of the claim.
7. The Insured will have one (1) year from the date of shipment to provide any required and/or additional documentation which has been requested of the Insured to substantiate said claim. Failure to provide the required and/or additional documentation within one (1) year from the ship date will result in the denial of the claim.
8. Any covered loss will be paid to the Insured or his Assignee after notice of loss or damage and required documentation has been received and accepted by Underwriters in accordance with the terms and conditions of this coverage, unless property is replaced, at the option of Underwriters, with like kind, function, and quality.
9. Upon payment or replacement for loss or damage, the Underwriters shall be subrogated to all of the rights of the Insured including whatever money may be recoverable, but excluding any deductible amounts applied to any claim settlement, on account of said loss or damage from the carrier or any of its officers or agents or from any other person or entity whatsoever. The Insured specifically covenants and agrees to assist the Company in every possible manner to secure reimbursement of said loss or damage.
10. No suit or action or proceedings for the recovery of any claim under this Coverage shall be sustainable in any court of law or equity unless the same is commenced within twelve (12) months after discovery by the Insured of the occurrence which gives rise to the claim, provided however, that if by the laws of the State within which this Coverage is issued such limitation is invalid, then any such claim shall be void unless such action, suit or proceeding be commenced within the shortest limit to time permitted by the laws of such State to be fixed herein.
11. Every user of U-PIC Insurance through the Interapptive Inc. web site will be monitored for adverse claims experience. U-PIC reserves the right to disallow any user of the Interapptive Inc. web site to purchase U-PIC Insurance at any time with 10 days written, certified notice.

By purchasing Interapptive insurance, you certify that all information provided is accurate and truthful. The submission of a false, ficticious or fraudulent statement may result in imprisonment of up to 5 years and a fine of up to $10,000.00 (18 USC 1001). In addition, a civil penalty of up to $5,000.00, and an assessment of twice the amount falsely claimed may be imposed (31 USC 3802).

Customers that file more than one claim may experience a delay in payment due to an increase in investigative time.