If you’ve shipped a lot with USPS, chances are you may have had a package go missing or arrive damaged. It happens! That said, a lot of shippers are surprised to learn that, oftentimes, their package didn’t come with USPS insurance coverage…and there’s nothing they can do to file a claim. So, we’re here to make sure you don’t get caught with your pants down if you ever find yourself in this situation! This guide lays out all the USPS services that come with insurance…and all the ones that don’t.
Table of Contents
- The USPS Services That Include Insurance
- Which Services Don’t Come With USPS Insurance Coverage?
- How to File an Insurance Claim with USPS
- Buying Labels with Shipping Software Lets You Insure Packages for Higher Amounts
The USPS Services That Include Insurance
We’ve listed all the USPS services that come with built-in USPS insurance below.
- USPS Ground Advantage
- Priority Mail
- This includes each “sub-service” of Priority Mail, such as Priority Mail Flat Rate, Priority Mail Cubic, and Priority Mail Regional Rate
- Priority Mail Express
Which Services Don’t Come With USPS Insurance Coverage?
On the other hand, these are the services that do not include USPS insurance coverage:
- First-Class Mail
- Certified Mail
- Media Mail
How to File an Insurance Claim with USPS
If your package is lost or damaged and you’ve got built-in USPS insurance on it, you can file your claim directly with USPS here. Once USPS approves your claim, they will send you a check in the mail for up to the full amount of coverage your label comes with. This will vary, depending on whether you purchased your label at the Post Office or with online shipping software. We’re about to go into more detail on that below.
Buying Labels with Shipping Software Lets You Insure Packages for Higher Amounts
Shippers should note that the new USPS Ground Advantage service comes with $100 of built-in USPS insurance whether you purchase postage at the Post Office or online. However, Priority Mail services have different tiers of USPS insurance coverage.
When you walk into the Post Office to ship a package, you may notice that regular Priority Mail service only comes with $50 of protection. However, when you use shipping software to buy postage online, you automatically get upgraded to $100 of insurance for all Priority Mail labels. So, not only do you save money by getting access to the deepest level of USPS discounts, but you also get more protection at no extra cost! Pretty sweet, right?
This is because shipping software offers USPS labels at the Commercial Pricing level. USPS typically reserves Commercial Pricing discounts for their VIP shippers, such as huge companies sending 50,000 or more packages a year. However, since shipping software companies are able to enter bulk negotiations with USPS, you can access this level of pricing for free. Consequently, you can protect your packages with double the insurance amount. That’s a win/win situation if we’ve ever seen one!
Looking for the right shipping software for you?
To get the deepest discounts on all the different USPS shipping services, check out our guide: