Frequently Asked Questions

General

1. Who is Royal Insurance and how can they save my company time and money?
   Royal Insurance has been insuring sellers and shippers for over 18 years. We are a shipping insurance company that offers shipping insurance at great discounts compared to the shipping carrier coverage. We also offer an online claims management system and expedite all claim payments. Our coverage is integrated with most shipping software solutions. If you do not use a software program for your shipping, we allow for your shipments to be entered onto our online manifesting system.
   
   
2. How can Royal Insurance help me or my company?
   If you ship packages with a value, we offer full, all-risk coverage if anything happens to those shipments while in transit. You continue to ship with your favorite carriers, but insure with us. Our coverage is not only a significant savings, but it is broader, as well. We cover many items that the shipping carriers do not. If you do have any claims to file, we process them quickly and fairly, usually within 5 days. There are no long term commitments to insure with Royal Insurance.
   
   
3. How can we offer this coverage?
   Shipping insurance is our specialty and the only insurance that we offer. As this is our only focus, we are able to offer low rates, great service, and quality support when you need it. As a Royal Insurance customer, you are part of a group of shippers that have experience and expertise in packing and shipping. This 'group buying power' allows us to offer you lower insurance rates
   
   
4. What is shipping insurance?
   Shipping insurance is a variation of an ocean marine policy. Basically, it is insurance that covers the value of the package(s) you are shipping. If your package is lost, damaged, or stolen in transit, shipping insurance will ensure that your package is covered. It does not matter whom you ship with, as Royal Insurance offers coverage for all the major carriers.
   
   
5. When do I purchase the coverage? Before I ship my packages? After I ship my packages?
   Typically, our coverage is purchased after a shipping label is generated and you have the tracking/customs details available.
   
   
6. Are my packages marked as insured?
   No! That is one of the benefits of insuring with us. Your packages are sent out without any markings indicating that they are insured. This nondescript packaging lets your shipments "fly under the radar" and does not bring unwanted attention to them.
   
   
7. How do I stop insuring with the carrier?
   When you ship with a carrier, just stop recording 'declared' or 'insured value'.
   The carriers do not need to know that you have secured insurance for the package. To them it is a transparent process.
   
   
8. Do I need a policy certificate to insure with Royal Insurance?
   Royal Insurance insured client you receive complete coverage and lower rates. If you occasionally ship small packages, you can purchase instant coverage.
   
   
9. Is there a minimum requirement to sign up with Royal Insurance?
   Not at all! We have programs available for most shippers, small and large.
   
   
10. What is considered "used household goods" or "used personal effects"?
    Household goods and personal effects are items that are used in a dwelling. These include furniture, appliances, clothing, linens and other household items that are not involved in a recent sale or under commercial invoice. Items sold on eBay or via online store are not considered household goods or personal effects as they are under commercial invoice.
    
    
11. Can I insure the shipping costs associated with a shipment?
    You can insure your shipping costs, as long as you declare that amount for coverage when insuring the shipment with us. If you do not include the shipping amount in your initial insurance declaration, it is not covered. Note: You will need to provide documentation of this cost, as well. You cannot insure your shipping costs without also insuring the item(s) being shipped. If you sell merchandise online, typically there is a shipping line item on the invoice to the buyer. If you offer "free shipping" and there is no shipping indicated on your invoice, you can provide us with a receipt of your actual shipping expense.
    
    

Coverage

1. What is actually covered?
   Royal Insurance covers loss, damage, and shortage while packages are in transit.
   
   
2. What items can I insure?
   Royal Insurance offers coverage for most commodities but we do have a few exclusions (items we do not cover) and conditions. If the item your are shipping is on our excluded list, please contact us. We may be able to cover it.
   We commonly insure items such as: jewelry, watches, electronics, computer equipment, fine arts, collectibles, and more, but make sure to read the coverage conditions before insuring your shipments.
   
   
3. Is coverage provided worldwide?
   Coverage is provided worldwide for our open coverage customers.
   
   

   Request a quote for open coverage now!

   
   
4. What shipping carriers can I use?
   Coverage is available for almost all shipping carriers. Please contact us to find out if Royal Insurance covers the carrier that you use.
   
   
5. Are there any packaging requirements?
   Shipments must be packaged to withstand the normal rigors of transit and must meet (or exceed) the shipping carrier packaging standards. Please refer to your coverage certificate for specific conditions.
   
   

Reporting

1. How does Royal Insurance know what shipments I want to insure?
   Our insureds submit their shipment manifest logs on either a daily, weekly, or monthly basis. These logs can be a simple hand tallied report or a computer generated shipping report. This report contains information such as date of shipment, shipping carrier, tracking number, and declared value.
   If you cannot generate reports, please let us know and we can customize a coverage plan for you.
   
   
2. How do I report my shipments?
   If you are not on a flat rate program, there are many ways you can report your shipments to Royal Insurance.
   

   All reports can be sent to us via email.
   
   

Claims

1. How long does it take to file a claim?
   Claims can be filed in as little as 5 minutes and once we receive supporting details they are typically processed as soon as possible.!
   
   
2. How do I file a claim and receive payment?
   If your claim is for a lost package, you would start by filing a tracer with the carrier to see if they can locate the shipment. Once all the required paperwork is completed and submitted to Royal Insurance, we will process your claim in an expedited fashion.
   
   
3. How is a claim paid and to whom?
   Claims payments are paid to the insured or typically the person or company who purchased the insurance coverage (merchant/shipper).
   
   

Partnerships

1. Does Royal Insurance offer partnership programs?
   We do offer partnership programs. Most programs are based on integrating our shipping insurance into other systems. We work closely with our partners to make sure our relationships last. Contact us for partnership opportunities.