# Coverage Rules for the ShipTime Canada Shipping Insurance Program

**THIS POLICY CONTAINS CLAUSES THAT MAY LIMIT THE AMOUNT PAYABLE.**

This shipping insurance program for ShipTime customers is provided by American Bankers Insurance Company of Florida (“ABIC”) and is administered by SHIPSURANCE Insurance Services, Inc. (“SHIPSURANCE”). Please call 1- 866-852-9956 if You have any questions regarding the coverage. Claims are filed <u>here</u>. You can check the status of an existing claim <u>here</u>.

## Definitions:

Throughout this page the following definitions apply:

A. **Carrier** means the company that is transporting the Parcel or Freight covered by this program.
B. **Freight** means packages or shipments transported through commercial freight Carriers.
C. **Insured** means the ShipTime customer who has elected to purchase insurance through this program. The Insured may be referred to as “**You**” and “**Your**”.
D. **Parcel** means packages or shipments transported through parcel carriers.
E. **Total Insured Value** means the total value of the item(s) declared for insurance coverage, not exceeding the amount in the Insured’s original invoice.
F. **We**, **Us** and **Our** means ABIC.

## Coverage:
Coverage provided is for all risks of physical loss or damage from an external cause (subject to exclusions) while in transit. Coverage is on a package-by-package basis. **Coverage is for loss, damage, or shortage to the original merchandise shipped plus the original shipping cost (if declared), only.** If **You** are shipping using Canada Post, make sure to read and follow the rules and regulations for international mailing/shipping located in the following links: International Destination Listing -<u>[https://www.canadapost.ca/tools/pg/manual/PGintdest-e.asp](https://www.canadapost.ca/tools/pg/manual/PGintdest-e.asp)</u> International Mail Service Suspension -<u>[https://www.canadapost.ca/cpo/mc/personal/productsservices/send/isms.jsf](https://www.canadapost.ca/cpo/mc/personal/productsservices/send/isms.jsf)</u> Non-Mailable Matter -<u>[https://www.canadapost.ca/tools/pg/manual/PGnonmail-e.asp#1378224](https://www.canadapost.ca/tools/pg/manual/PGnonmail-e.asp#1378224)</u> THERE IS NO COVERAGE IF YOU SHIP A PROHIBITED ITEM, SHIP TO A PROHIBITED DESTINATION, OR FAIL TO INCLUDE THE DESTINATION COUNTRY’S REQUIRED DOCUMENTS AND/OR FORMS. In order for a package to be covered, the shipping Carrier must have verified acceptance of Your package for mailing.

### Total Insured Value Coverage:

Shipments sent via a covered shipping Carrier are covered for the Total Insured Value.

- Claims do not need to be filed with the shipping Carrier for their default liability coverage.
- Premium is collected for the Total Insured Value of the shipment.

### Maximum Amount of Insurance:

Insurance under the ShipTime Canada Shipping Insurance Program covers up to $10,000.00 per package sent with FedEx, Purolator, UPS, or Nationex, and up to $5,000.00 with all other couriers, carrying a maximum per conveyance of $100,000.00. Packages sent via LTL/Motor freight can be covered up to $5,000.00 in coverage, per package and a maximum coverage per conveyance of $100,000.00.

### 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.
- 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. (Conditions E)
- Laptop computers (including tablets, iPads, and similar) and mobile phones (cell phones, smart phones, etc) 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)
- 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 Shipsurance that allows the <u>recipient (or intended recipient) to indicate loss or damage. (Condition B, 3, d)</u>

### Exclusions:

The following is a list of exclusions. These are NOT covered:

A. 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, LCD monitors or screens, televisions, perishable cargo or similar property, automobiles, motorcycles, live animals, flowers, plants, seeds, cigarettes/cigars, cotton, tobacco, windows, plate glass, and mobile telephones.
B. Shipments sent to Afghanistan, Angola, Bolivia, Brazil, Burma, Congo, Cuba, Iran, Iraq, Ivory Coast, Liberia, Nigeria, North Korea, Paraguay, Sierra Leone, Somalia, Sudan, Syria, Venezuela, and similar restricted locations.
C. Parcel(s) or Freight that require a signature confirmation or signature required service that are not sent using the required signature service.
D. Loss, damage, shortage, or non-arrival of any Parcel or Freight and its contents which is addressed incorrectly or packed insufficiently to withstand the normal rigors of transit.
E. Loss, damage, shortage, or non-arrival of any Parcel or Freight obtained by trick, false pretense, or other fraudulent schemes.
F. Loss, damage, shortage arising out of loss of market, delay, loss of use, clean-up costs, decay, inherent vice or other deterioration.
G. War Exclusion, Atomic and Nuclear Exclusion. In no case shall this insurance cover loss damage or expense caused by war or similar conflicts.
H. Mechanical and Electrical Derangement (Internal Damage) - Loss of or damage due to mechanical or electrical derangement unless there is evidence of external damage to the Parcel or its packaging. Data files are not covered for erasure, corruption, or loss.
I. Shipments involving illegal or controlled substances.
J. This program does not apply to any damage, loss, liability, or legal obligation arising out of pollution.
K. Shipments sent through owned, leased, or rented vehicles that are not commercial parcel or freight businesses.
L. Insurance fees.

### Conditions:

A. CLAIM DISPUTES This program shall be construed and interpreted in accordance with the laws of the Insured’s province or territory of residence.
B. CLAIM REQUIREMENTS
1. All packaging material and damaged goods must be kept in their original form. Packaging and damaged goods must not be disposed of or released to the Carrier.
2. In case of loss or damage, immediate notice of non-delivery must be filed with the Carrier and SHIPSURANCE.
3. A SHIPSURANCE claim form and any requested documentation must be provided to SHIPSURANCE within 120 days from the date of shipment.
4. If a shipment is made by USPS or consolidators, complete claims must be submitted within 120 days of the shipment date.
5. Claims must include a signed claim statement and may require supporting documentation.
6. Failure to comply with these conditions can result in the denial of the claim.