ParcelGuard

ParcelGuard Terms and Conditions

ParcelGuard is Non-Refundable


Coverage

Coverage provided by this Policy covers a package from all risks of physical loss or damage from an external cause (subject to the exclusions listed below) while in transit, and physical loss or damage from theft upon delivery. Any package that is covered by this Policy will be shipped in strict accordance with all regulations of the Carrier. Coverage is only provided for UPS and USPS carriers. Coverage is on a package-by-package basis and each individual insured package must have a declared value for coverage.

The insured must be domiciled in the United States.

You acknowledge that the insurance coverage is provided by American Bankers Insurance Company of Florida.

If you are shipping using the United States Postal Service, make sure to follow the USPS International Mail Manual rules located here. If you ship a prohibited item, there is NO COVERAGE.

In order for a package to be covered, the shipping carrier must have verified acceptance of your package for mailing. This is found on the respective tracking websites of the shipping carriers. If a shipping label is printed but not scanned by the carrier as accepted it is deemed as never been mailed and there is no coverage.

Pay special attention to the following coverage exclusions and conditions:

  • Not all commodities and destinations are covered. Make sure the item(s) that you are shipping (Exclusion A) and the destination (Exclusion B) are not excluded from coverage.
  • Items must not be shipped in the original manufacturers packaging or any packaging that alludes to the contents to be covered for loss, shortage or theft. (Exclusion E)
  • Jewelry (includes necklaces, earrings, watches, rings, bracelets, broaches, etc.) with a value of $500.00 or more must be sent with the Signature Confirmation service (package must be signed for at delivery) provided by the shipping carriers. This is required for Domestic and International shipments. (Condition E, 1)
  • Laptop computers (including tablets, iPads, and similar) and mobile telephones (including cell phones, smart phones, and similar) must be sent with the Signature Confirmation service (package must be signed for at delivery) provided by the shipping carriers. This is required for Domestic and International shipments (Condition E, 2, 3)
  • All packaging material and damaged goods must be kept in the original form as received. Packaging and damaged goods should not be disposed of, released to the shipping carrier, or returned to the seller before a claim is completed. Failure to comply can result in the denial of the claim. (Condition B, 1)
  • During the claims process, a claim statement/affidavit signed by the recipient (or intended recipient) will be required. This is a form document provided by Visual Ink that allows the recipient (or intended recipient) to indicate loss or damage. (Condition B, 3, d)



 

Definitions:

The following terms have specific meanings and appear in bold face type throughout this program:

  1. Carrier means the company that is transporting the package covered by this program.
  2. Package means a single shipping unit and its contents. Banded boxes and pallets of boxes are considered one single package.
  3. Insured means the Shipper(s), in this case Visual Ink.
  4. Recipient means the individual(s) or companies who have elected to purchase insurance.
  5. Visual Ink means the agent.
  6. Total Insured Value means the total value of the item(s) declared for insurance coverage and can include shipping fees. Includes the Carrier provided coverage, if any. Does not include customer supplied blanks.
  7. We, us and our means American Bankers Insurance Company of Florida.
  8. Theft means a package that is stolen outside of a residence or business where it has been commercially delivered, with intent to deprive the rightful owner of the contents.



Coverage Limits

This insurance covers up to $10,000.00 per package. Maximum coverage per conveyance is $100,000.00


EXCLUSIONS

This program does not provide coverage for the following:

  1. Accounts, bills, currency, cash in transit, evidence of debt, checks, money orders, cash on delivery (COD) payments, coins (collectible coins are not excluded), securities and other negotiable papers, tickets, deeds, notes, gift cards, manuscripts, documents, neon items, hazardous material (per UPS Hazardous Materials List), televisions, monitors, screens, perishable cargo or similar property, eggs, any stone or ceramic slabs, automobiles, motorcycles, live animals, flowers, plants, seeds, cigarettes/cigars, cotton, tobacco, windows, plate glass, stained glass, float glass, guns and firearms (including kit for any gun or firearm), rocks (including geodes, crystals, amethyst, clusters, minerals, fossils, and similar), products that contain cannabidiol (CBD).
  2. Shipments sent to Afghanistan, Angola, Bolivia, Burma, Congo, Cuba, Iran, Iraq, Ivory Coast (Cote d'Ivoire), Liberia, Nigeria, North Korea, Paraguay, Sierra Leone, Somalia, Sudan, Syria, Venezuela. Any location that would be in violation of any U.S. economic or trade sanctions including OFAC Restricted Countries. For shipments to Russian and other Commonwealth of Independent States countries (includes Armenia, Azerbaijan, Belarus, Georgia, Kazakhstan, Kyrgyzstan, Moldova, Russia, Russian Federation, Tajikistan, Turkmenistan, Ukraine, and Uzbekistan) coverage ceases upon touchdown of the aircraft at the airport of destination or upon discharge from the overseas vessel at the destination discharge port.
  3. A Package that requires a signature confirmation or signature required service that are not sent using the required signature service are excluded from coverage.
  4. Loss, damage, shortage, or non-arrival of any package and its contents which is addressed incorrectly or packed insufficiently to withstand the normal rigors of transit.
  5. Loss, shortage, or non-arrival of any package and its contents when it bears a descriptive label or packaging which describes, or alludes to, the nature of the contents. This includes the manufacturer packaging. International shipments that contain customs declarations are NOT excluded from coverage. Damage to the package and its contents is not excluded.
  6. Loss, damage, shortage, or non-arrival of any package and the contents when it is obtained by trick, false pretense, or other fraudulent schemes.
  7. Loss, damage, shortage arising out of loss of market, delay, loss of use, clean-up costs, decay, inherent vice, or other deterioration, any remote or consequential loss, whether or not arising out of a peril insured against or changes in temperature or humidity.
  8. War Exclusion, Atomic and Nuclear Exclusion:

In no case shall this program cover loss damage or expense caused by:

    1. 1) War, civil war, revolution, rebellion, insurrection, or civil strife arising from, or any hostile act by or against a belligerent power;
    2. 2) Capture, seizure, arrest, restraint or detainment (piracy excepted), and the consequences of or any attempt of;
    3. 3) Derelict mines, torpedoes, bombs, or other derelict weapons of war. In no case shall this program cover loss damage or expense arising from the use of any weapon of war employing atomic or nuclear fission, fusion or other like reaction or radioactive force or matter.
  2. Mechanical and Electrical Derangement or Mechanical Breakdown - Loss of or damage due to mechanical, electrical, electronic derangement or refrigerated breakdown unless there is evidence of external damage to the package or its packaging. Data files and installed computer programs are not covered for erasure, corruption, or loss.
  1. American Institute of Marine Underwriters Extended Radioactive Contamination Exclusion clause.
  2. American Institute of Marine Underwriters Chemical, Biological, Bio-Chemical, Electromagnetic, and Cyber Weapons Exclusion clause.
  1. Shipments involving illegal or controlled substances are excluded from coverage.
  1. Pollution

This program does not apply to any damage, expense, cost, loss, liability or legal obligation arising out of or in any way related to pollution, however caused.

Pollution includes the actual, alleged or potential presence in or introduction into the environment of any substance if such substance has or is alleged to have, the effect of making the environment impure, harmful, or dangerous. Environment includes any air, land, structure or the air therein, watercourse or water, including underground water. We will have no duty to defend any suit arising out of or in any way related to pollution.

  1. Shipments sent through owned, leased or rented vehicles that are not commercial package businesses.

CONDITIONS

  1. CLAIM DISPUTES

This program shall be construed and interpreted in accordance with the laws of the State of California.

The parties agree that any and all claims or disputes arising out of the program or the performance of the program shall be brought in Los Angeles County, California.

The Recipient agrees to INDEMNIFY AND HOLD HARMLESS Visual Ink and us from any loss, liability, damage or costs, including court costs and attorney fees that they may incur due to misreading, misunderstanding, and not following the coverage requirements provided by this program and any applicable endorsements.

  1. CLAIM REQUIREMENTS
    1. 1) All packaging material and damaged goods must be kept in the original form as received. Packaging and damaged goods should not be disposed of or released to the carrier before a claim is completed as photographs will be required. Failure to comply will result in the denial of the claim due to insufficient packing.
    2. 2) Concealed damage allows for the discovery of loss or damage up to 15 days after final delivery. The loss is deemed to have possibly occurred during the insured transit. Discovery of loss or damage occurring 16 days or later after final delivery is deemed to have occurred while the shipment was NOT in transit, and therefore, is not covered.
    3. 3) In case of loss or damage to the covered package the following must be completed:
      1. a) Recipient will file immediate notice of non-delivery, damage, or shortage with the Visual Ink; Visual Ink will communicate directly with the Carrier.
      2. b) The Recipient will take proper exceptions on the delivery receipt when any loss or damage is apparent at the time of delivery;
      3. c) Visual Ink will complete a claim form and provide all required documents to the carrier within one hundred and twenty (120) calendar days from the date of shipment.
      4. d) A complete claim submission must include a claim form, a copy of the carrier's tracer form, a copy of the invoice, photos of damaged goods and packaging, a repair estimate, a claim statement signed by the recipient (or intended recipient), and any other documentation requested by Visual Ink. Failure to complete the claim form and follow all claim instructions could lead to non-settlement of claim.
      5. e) If the shipment is sent by the United States Postal Service (USPS) or UPS, complete claims must be submitted and received by Visual Ink within one hundred and twenty (120) calendar days of the shipment date. If the claim is for loss the Recipient must wait twenty (20) calendar days (Domestic shipments) or 40 calendar days (International shipments) before filing claim with Visual Ink.
    4. 4) Any damage to package that was not repaired must be made available to us or VISUAL INK, if requested.
    5. 5) Once a claim has been accepted and approved, prompt payment will be made to the Recipient.
    6. 6) Recipient and VISUAL INK will rely on the determination of responsibility made by the original Carrier to assist in substantiating the loss.
  2. CONFORMITY TO STATUTE

Any provision of this program that is not in conformity with the laws of the state in which this program is issued, is amended to comply with the minimum requirements of such law.

  1. OTHER INSURANCE

This program is excess coverage if there is other insurance coverage. After the other insurance has paid up to its limit, our program will provide coverage up to its limit, but not exceeding the remainder of the loss.

  1. SIGNATURE CONFIRMATION SERVICE
    1. 1) Jewelry (includes necklaces, earrings, watches, rings, bracelets, broaches, etc.) with a value of $500.00 or more must be sent with the direct or adult Signature Confirmation Service provided by the carrier (must be signed for at delivery). This service is available by most carriers often at an additional expense to their core shipping service.
    2. 2) Laptop computers (including tablets computers, iPads, and similar electronics) must be sent with the direct or adult Signature Confirmation Service provided by the carrier (must be signed for at delivery). This service is available by most carriers often at an additional expense to their core shipping service. If a signature confirmation service is not available from the carrier, these items cannot be covered. Shipments sent without a carrier provided signature confirmation service are excluded from coverage in their entirety.
    3. 3) Mobile telephones (including cell phones, smart phones, and similar) must be sent with the direct or adult Signature Confirmation Service provided by the carrier (must be signed for at delivery). This service is available by most carriers often at an additional expense to their core shipping service. If a signature confirmation service is not available from the carrier, these items cannot be covered. Shipments sent without a carrier provided signature confirmation service are excluded from coverage in their entirety.
  2. VALUATION

Claims will only cover the invoice value. In no event shall claims exceed the Total Invoice Amount declared prior to the shipment. Those customers providing their own blanks for decoration will not be able to declare the value of those items under this claim. In this scenario Visual Ink will only cover the services provided by and the invoice value at the time of purchase. If Visual Ink provides the blanks to the customer, those blanks will be billed to the customer and included in the total Invoice Amount, which will be covered under this claim.

In the event a claim payment is made to the Recipient and Visual Ink subsequently determines that the insured package was delivered thereby resulting in no loss to the Insured, then the Recipient agrees to promptly reimburse Visual Ink for the full amount of the claim payment upon demand by Visual Ink.

Visual Ink reserves the right to disallow any user to purchase insurance.

By purchasing shipping insurance online, you certify that all information provided is accurate and truthful. The submission of a false, fictitious, or fraudulent statement may result in imprisonment of up to 5 years and a fine of up to $10,000 (18 USC 1001). In addition, a civil penalty of up to $5,000 and an assessment of twice the amount falsely claimed may be imposed (31 USC 3802). Warning: any fraudulent claims will make the Recipient and/or consignee liable for any prosecution for mail fraud under federal crime code.

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