Insurance Coverage Policy

Effective Date: March 17, 2025
Last Updated: March 17, 2025

Deliveri Inc. ("Deliveri," "we," "us," or "our") offers optional insurance coverage for shipments purchased through our platform. This policy outlines the coverage terms, conditions, claim process, and user responsibilities.

By purchasing insurance through Deliveri, users agree to the terms of this Insurance Coverage Policy. If you have any questions, contact support@ondeliveri.com.

1. Eligibility for Coverage

Coverage applies only to shipments purchased through Deliveri and where the user has opted for insurance. Hazardous zones and prohibited items are excluded.

Deliveri’s insurance coverage applies only to:

• Shipments purchased through Deliveri’s platform.
• Shipments where the user has opted to purchase insurance at the time of label purchase.

Ineligible Shipments

Deliveri’s insurance does not cover:

• Shipments sent to hazardous zones or high-risk regions (as determined by Deliveri or the courier).
  
• Shipments containing prohibited or restricted items (see Section 2).
• Shipments not purchased through Deliveri.
  

2. Excluded Items (Not Eligible for Coverage)

Perishables, fragile items, hazardous materials, and DAP international shipments are not covered.

Deliveri does not provide insurance coverage for the following items:

A. Item-Specific Exclusions

• Perishable goods (e.g., food, plants, flowers).
  
• Fragile items (e.g., glass, ceramics, pottery).
  
• Hazardous materials (e.g., explosives, flammable liquids, toxic substances).
  
• Prohibited goods (e.g., illegal substances, firearms, weapons, counterfeit goods).
  

B. Shipment-Type Exclusions

• DAP (Delivered at Place) international shipments (coverage excludes customs-related delays, unpaid duties, and returns due to non-payment).
  
• Shipments to hazardous or high-risk regions (Deliveri may update the list of ineligible destinations at any time).
  

C. Categroy-Specific Limits

3. Coverage Limits & Conditions

Deliveri facilitates coverage up to the carrier’s standard allowable amounts, with a default maximum of $1,000 USD per shipment. Requests for coverage above this standard limit require prior approval from Deliveri’s support team. Allowable carrier coverage limits include:

• USPS - Up to $5,000 USD for most mail types and up to $50,000 USD for Registered Mail.
  
• DHL Express - Coverage varies, with higher limits generally available—up to approximately $550,000 USD for international shipments and $27,000 USD for domestic shipments, with certain accounts or arrangements allowing more.
  
• UPS - Declared values up to $50,000 USD for certain account-level services, though limits may be lower for other methods.
  
• FedEx - Maximum coverage of $50,000 USD for most services, $2,000 USD for Ground and SameDay, and $500 USD for Envelope or Pak shipments.
  

Claims above $500 USD are handled in accordance with the carrier’s own processes and guidelines, which may consider factors such as service type, declared value, and shipment contents.

4. Claims Process & requirements

Claims for damages/theft must be filed within 3 days; lost packages within 30 days. Required documentation includes proof of purchase, tracking details, and photos.

A. Timeframe for Filing a Claim

• Damaged or Stolen Packages: Must be reported within 3 days of delivery.
  
• Lost Packages (Not Delivered): Must be reported within 30 days of the estimated delivery date.
  

B. Required Documentation (Must be submitted with the claim)

• Proof of purchase (e.g., invoice, receipt).
  
• Photos of damaged items (required for damage claims).
  
• Courier tracking updates (showing delivery status, delays, or loss).
  
• Proof of theft (if applicable) (e.g., police report if required).
  

C. Claim Review & Processing Timeline

• 3 business days to acknowledge and review the claim submission.
  
• Up to 15 business days to process the claim and determine eligibility.
  
• Up to 15 additional business days to provide reimbursement once approved.
  

5. Circumstances That Void a Claim

Incorrect address, insufficient packaging, fraudulent claims, and excessive claims may result in denial.

A claim may be denied if:

• Incorrect address provided by the user (leading to delivery failure).
  
• Package marked as delivered but claimed as lost or stolen (without proof of theft).
  
• Insufficient packaging (leading to damages, as determined by Deliveri or the courier).
  
• Failure to provide required documentation within the claim window.
  
• Fraudulent claims (e.g., false or misleading information).
  
• Pattern of excessive claims:
  - If an account exhibits a high frequency of claims, Deliveri reserves the right to place the account under review.
  - Claims may be denied if Deliveri determines that the pattern indicates potential fraud or misuse.
  

6. User Responsibilities

Users must package items securely, report theft promptly, provide accurate shipping details, and use signature confirmation for high-value shipments.

A. Proper Packaging Requirements

• Users must follow the courier’s packaging guidelines (e.g., sturdy boxes, padding, proper sealing).
  
• Claims for damaged items may be denied if improper packaging contributed to the damage.
  

B. Theft Reporting Requirements

• Users must file a police report for stolen property (if required).
  
• Claims for stolen packages may be denied if insufficient proof is provided.
  

C. Address Accuracy & Delivery Details

• Deliveri is not responsible for losses due to incorrect shipping addresses provided by the user.
  
• Packages returned due to invalid or incomplete addresses are not eligible for reimbursement.
  

D. Signature Confirmation for High-Value Items

• Shipments valued at $500+ must use signature confirmation to qualify for coverage.
  
• Claims for lost or stolen high-value items without signature confirmation may be denied.
  

7. Appeals, Account Reviews, & Dispute Resolution

Users can appeal denied claims within 3 days if new evidence is provided. Disputes are subject to arbitration.

A. Appealing Denied Claims

• Users may appeal a denied claim only if they provide new and relevant evidence.
  
• Appeals must be submitted within 3 days of the claim being closed.
  
• Deliveri will review and provide a final decision within 5 business days.
  

B. Arbitration for Disputed Claims

• Users agree that any disputes related to claims or coverage decisions will be resolved through binding arbitration.
  
• Arbitration will be conducted in accordance with [Insert Arbitration Provider] rules.
  
• Users waive the right to bring disputes to court, including class-action lawsuits.
  

8. International Shipment Coverage Restrictions

Deliveri Insurance provides coverage for international shipments subject to the following conditions and limitations regarding declared and insured values:

A. Declared Value Must Match Invoiced Value

The declared value of any item shipped internationally must exactly match the actual invoiced amount of the goods. Any shipment with a declared value that exceeds or is less than the invoiced amount will be deemed ineligible for coverage under this policy. Deliveri reserves the right to reject any insurance claim where the declared value does not align with the commercially documented sale or invoice value.

B. Insured Value Must Align with Declared Value

The insured value stated at the time of shipment must match the declared value submitted for customs or transport purposes. Any discrepancies between the declared value and the insured value may result in denial of coverage. Deliveri may, at its sole discretion, reject insurance claims where such inconsistencies are identified.

C. Right to Deny Claims for Misrepresentation

Any misrepresentation, overstatement, or discrepancy in declared or insured values—intentional or otherwise—shall constitute a material breach of this insurance agreement. Deliveri reserves the exclusive right to deny claims, void coverage, or limit liability in such cases.

D. Compliance with International Shipping Regulations

Customers are responsible for complying with all applicable international trade, customs, and import/export regulations. Deliveri shall not be held liable for claims arising from seizures, delays, or losses resulting from inaccurate or non-compliant declarations.

9. Contact Information

For claims, contact claims@ondeliveri.com

Acknowledgement

By purchasing insurance through Deliveri, you acknowledge that you have read and understood this policy and agree to its terms.