Shipping Insurance

Offer shipping insurance to protect orders during transit with flexible pricing options.

Features

Feature	Description
Flexible pricing	Flat rate, percentage-based, or tiered pricing
Product type scoping	Apply to all products or specific product types
On by default	Insurance is added to every qualifying order; choose whether customers can take it off at checkout
Custom label	Set a custom name for the insurance line on the order summary
Tooltip text	Add explanatory text for customers

Insurance is offered and displayed at checkout. It does not appear on the cart page.

Prerequisites

Before setting up, you need:

Shipping Insurance plugin activated from Plugins > Marketplace

Setting Up

Navigate to Plugins > Marketplace
Find Shipping Insurance
Click Activate
Navigate to Plugins > Shipping Insurance
Configure your insurance settings (see below)
Click Save Settings

General Settings

Setting	Description
Display Label	Name shown on the checkout summary line (e.g., “Shipping Protection”)
Require shipping insurance on all orders	Insurance is added to every qualifying order either way. When this is on, customers can’t remove it at checkout; when it’s off, they can take it off with the x next to the line.

Pricing Methods

Choose one of three pricing methods for calculating insurance costs. One must be selected before settings can be saved.

Flat Rate

A fixed dollar amount added to every order.

Setting	Description
Flat Rate Amount	Fixed insurance cost (e.g., $4.99)

Percentage

A percentage of the cart subtotal — before shipping and tax.

Setting	Description
Percentage of Subtotal	Percentage of cart value (e.g., 2%)

Tiered Pricing

Different rates based on cart value ranges. This allows you to charge more for higher-value orders.

Setting	Description
Min Cart Total	Minimum cart value for the tier
Max Cart Total	Maximum cart value for the tier
Insurance Rate	Insurance cost for orders in this range

Bounds are inclusive, and the first matching tier wins. A cart that falls outside every tier gets no insurance charge at all — including when insurance is set to required — so make your top tier’s maximum high enough to cover your largest realistic order.

Tip: Create multiple tiers to cover all cart value ranges. For example: $0-$100 = $2.99, $100.01-$500 = $5.99, $500.01-$100,000 = $9.99.

Product Types

Control which carts trigger the insurance option:

Option	Description
All product types	Insurance available for all orders
Select product types	Only offer insurance when the cart contains at least one item of a selected type

Setting	Description
Show tooltip icon on checkout	Adds an info icon next to the insurance line
Tooltip Text	Help text explaining what the insurance covers (up to 500 characters)

How It Works

Customer adds items to their cart and proceeds to checkout
If the cart qualifies (based on product type scoping), insurance is added to the order summary automatically
Unless insurance is required, the customer can remove it with the x next to the line. The removal applies to the checkout they’re on — reloading checkout or coming back from the cart adds it again, which is how a customer who removed it by mistake gets it back
Insurance amount is calculated from the cart subtotal using the configured pricing method
The insurance fee is added to the order total and stored on the order

Troubleshooting

Insurance Not Showing

Symptoms: Insurance option doesn’t appear at checkout

Solutions:

Verify the plugin is activated
Ensure a pricing method is configured and saved
If using Select product types, confirm the cart contains qualifying products
The customer may have removed it on the page they’re looking at; reloading checkout adds it back (required insurance can’t be removed at all)
Remember insurance is checkout-only — it will never appear on the cart page

Incorrect Insurance Amount

Symptoms: Insurance amount doesn’t match expectations