Insureship

Insureship is a shipping insurance platform that protects both you and your customers when packages are lost, damaged, or stolen during transit. It provides instant coverage for shipments and handles claims automatically, replacing the hassle of filing claims with traditional carriers.

Think of it as peace of mind insurance - your customers pay a small fee at checkout, and if anything goes wrong with their shipment, Insureship takes care of everything without you having to deal with carrier claims processes.

How VRIO + Insureship Works Together

The Protection Flow

Customer places order → Sees Insureship protection option at checkout
Customer pays for insurance → Small fee added to total (typically $1-3)
Order ships → VRIO automatically creates insurance policy with tracking info
Package delivered safely → Everyone's happy, coverage expires naturally
Problem occurs → Customer files claim directly with Insureship, gets resolved quickly

What Events Does Insureship Track?

Insureship automatically activates when your packages ship:

Shipment Shipped → Creates insurance policy with full tracking details and coverage

This streamlined approach means insurance coverage begins exactly when your liability starts - when the package leaves your facility.

Getting Started

What You'll Need

Active Insureship account
Client ID from your Insureship dashboard
API Key from your Insureship dashboard

If you can't locate these items in your Insureship dashboard, reach out to your Insureship account manager for assistance.

Quick Setup Guide

Add the Connection
- Go to Settings > Connections > Add New Connection
- Find Insureship under the "Insurance" category
- Click "Connect Now"
Enter Your Credentials
- Connection Name: Something descriptive like "Insureship Production"
- Client ID: Get this from your Insureship dashboard
- API Key: Your Insureship API key
Select Items to Insure

This is important! Choose which items in your catalog should trigger insurance policies:
- The Insureship fee item itself should be selected
Save and Activate
- Click "Save" to complete the setup
- Test with a small order to verify everything works

Understanding How Coverage Works

Normal Orders (Single Shipment)

For typical orders that ship everything at once:

One insurance policy created when shipment goes out
Coverage amount equals the full Insureship fee paid by customer
Policy covers all insured items in the shipment

Prepaid Orders (Multiple Shipments)

For prepaid/subscription orders that ship in multiple packages:

First shipment: Gets full insurance coverage
Subsequent shipments: Get $0 coverage (avoids duplicate charges)
Each shipment gets its own policy with accurate financial breakdowns
Total item values are divided proportionally across shipments

Example: $99 prepaid order shipping in 3 packages

Shipment 1: $33 value + $1.15 coverage
Shipment 2: $33 value + $0.00 coverage
Shipment 3: $33 value + $0.00 coverage

What Gets Covered

Insureship policies include:

Customer Information: Name, address, contact details
Shipment Details: Tracking number, ship date, carrier
Financial Breakdown: Accurate totals for items actually shipping
Coverage Amount: Insurance fee paid (first shipment only for prepaid)

Smart Business Logic

Refund Protection

VRIO automatically checks if the Insureship fee was refunded before creating policies:

Fee refunded → No policy created (customer didn't pay for coverage)
Fee active → Policy created normally

Reship Handling

When customers request reships due to lost packages:

Original policy → Automatically voided (package is lost/replaced)
New policy → Created for reship with new tracking number
Prevents double coverage on the same items

Item Filtering

Only items you've specifically configured will trigger insurance policies:

Physical products → Create policies when they ship
Digital items → Ignored (nothing to insure)

Where to See Results

On the customer screen, click on the Webhooks tab to see exactly what data was sent to Insureship:

What Data Gets Shared?

VRIO automatically sends the following information to Insureship for accurate coverage:

Customer Information

Name, email, phone number
Billing and shipping addresses
Order date and merchant details

Shipment Details

Tracking number and carrier
Ship date and delivery address
Items being shipped (names and quantities)

Financial Breakdown

Accurate totals for items in this specific shipment
Shipping costs for items being sent
Coverage amount (insurance fee paid)

Troubleshooting Common Issues

🔴 No Policies Being Created

Check These:

Items in your orders are selected in the Insureship connection settings
Shipments have tracking numbers (required for policies)
Insureship fee wasn't refunded before shipping
Connection is marked "Active"

🔴 Wrong Coverage Amounts

For Prepaid Orders:

First shipment should show full coverage amount
Later shipments should show $0.00 coverage
Item totals should be divided proportionally

For Normal Orders:

Coverage should equal the full Insureship fee paid

🔴 Authentication Failed

Check These:

Client ID from Insureship dashboard is correct
API Key is current and hasn't expired
Using production credentials for live orders
Connection settings match your Insureship account

🏥 Need Help?

Check connection logs in VRIO:

Go to the customer screen
Click the "Webhooks" tab to see API requests/responses
Look for Insureship policy creation attempts
Error messages will show exactly what went wrong

For credential or policy issues, reach out to your Insureship account manager for assistance.

Testing

Test with small orders first to verify policy creation
Check both normal and prepaid order scenarios