đĄī¸ Insurance & Risk
Protect your shipments and understand the true cost of loss and coverage.
Available Calculators
Shipping Insurance Calculator
Estimate annual shipping losses, insurance costs, and expected savings based on your order volume.
Declared Value Calculator
Estimate carrier liability fees for declaring full shipment value with UPS, FedEx, or USPS.
Returns Shipping Calculator
Estimate monthly return label costs and calculate what to build into your pricing.
Shipping Loss Risk Calculator
Estimate expected loss rate, annual losses, and net savings with insurance based on carrier and volume.
Lost Package Probability Calculator
Estimate the probability of package loss by carrier, route, and package value.
Coming Soon
More insurance and risk tools are in development.
Shipping Insurance ROI Calculator
Calculate the ROI of shipping insurance vs going uninsured at your shipment volume.
Self-Insurance Break-Even Calculator
Find the shipment volume at which self-insuring beats paying insurance premiums.
About These Insurance & Risk Calculators
Carrier default liability covers only $100 per package for UPS and FedEx, and even less for some USPS services. For most e-commerce shipments, that leaves significant financial exposure. These tools help you estimate expected losses at your shipping volume, compare carrier declared value fees versus third-party insurance costs, and calculate whether self-insuring makes sense for your business.
Carrier declared value is not insurance. It is just an extension of carrier liability. UPS and FedEx charge roughly $0.85 to $1.05 per $100 of declared value above $100. Third-party insurers like U-PIC typically charge around $0.53 per $100, making them 40 to 50% cheaper for high-value shipments. For shippers with hundreds of packages per month, that difference adds up quickly.
The loss probability calculator uses published carrier on-time and loss rates combined with your own volume to estimate how many packages you can expect to lose or damage per year. For high-volume shippers, self-insuring (building expected losses into product pricing) is often more cost-effective than paying per-package premiums, but you need the volume to make the math work.
Insurance rates and carrier liability limits change. Always verify current rates with your carrier or insurer before making coverage decisions.