Turn delivery problems into profit.

Why Brands Add Checkout Insurance

• Shoppers opt in and pay for peace of mind. When priced and positioned correctly, many merchants see 40%+ opt-in. Customers know delivery is unpredictable.
• You protect margin from reships and refunds. Loss, damage, and theft become real costs fast. Checkout insurance converts unpredictable replacement expenses into a structured, manageable program.
• You earn revenue on protected orders. No cost to install or run the U-PIC checkout program. When shoppers opt in, you earn a service fee - creating a new revenue line that scales with order volume.
• You stay in control of the customer experience. Customers contact your team - not an insurer, not a carrier. You decide how to resolve the issue. The program supports you per the rules.

How Checkout Insurance Works with U-PIC

• Step 1 - Add the offer at checkout. A simple checkbox or line item with clear language and a link to the terms. If the customer removes it before placing the order, they aren't charged.
• Step 2 - A delivery issue happens. The customer contacts your support team. You resolve it your way: replacement/reship, refund, store credit, or merchant-approved remedy.
• Step 3 - Merchant-side support. After you resolve the issue, you submit the required details under the program rules. The program supports you accordingly.

Important: Customers are not filing insurance claims and do not receive insurance payments. The merchant resolves the issue. The program supports the merchant side.

Program Economics

You can configure checkout shipping insurance three ways:

• Consumer-Pay (most common): Customer pays a small amount at checkout. You earn a service fee on protected orders and avoid eating the cost of every issue.
• Merchant-Pay: You include it as a brand benefit on all or select shipments.
• Hybrid: You subsidize part of the cost and the customer pays the rest - often a strong balance between conversion and margin.

What's Typically Covered

Coverage is subject to program rules, limits, and exclusions, but typically includes:

• Lost or missing packages
• Damage in transit
• Theft (including porch piracy when included)
• Other delivery-related issues based on program configuration

Common exclusions may include fraud, prohibited items, incorrect address, improper packaging, and other rule-defined scenarios.

Works Across Major Ecommerce Platforms

U-PIC can support launch through:

• Shopify
• BigCommerce
• WooCommerce
• Adobe Commerce / Magento
• Salesforce Commerce Cloud
• Wix
• Squarespace
• Custom / headless builds

Deployment options include app-based installs (where available), API integration, or partner-led integration through your 3PL or OMS stack.

Why Structure Matters

Many checkout "protection" programs look like insurance but are not structured like licensed insurance products. That can create regulatory risk, brand risk, and customer confusion.

U-PIC's program is designed to be properly structured and defensible - so your checkout add-on doesn't become a liability later.

FAQ

• Is this the same as carrier insurance?
  No. Carrier insurance follows carrier timelines and limitations. Checkout insurance is designed to protect your brand experience and support fast resolution across the carriers you already use.
• Do customers file claims?
  Customers contact the merchant. The merchant resolves the issue. The program supports the merchant side per the rules.
• Does this change our fulfillment workflow?
  No. You keep your carriers, 3PL, and shipping tools.
• What opt-in rate should we expect?
  Many merchants see north of 40% with proper pricing and placement. Actual performance depends on AOV, product category, and positioning.