Damage claims dominate — often several times the rate of lost or stolen. A single broken item can wipe out the protection revenue from dozens of orders.

Percentage-of-cart pricing rather than a flat fee, so high-value pieces carry proportionate cover. Per-category overrides push the rate up on the most fragile lines. Coverage caps limit exposure on any single order.

Damaged claims resolve fastest — a photo of the item and the packaging usually settles it — so automation handles the volume while you keep the pricing aligned to actual risk.

Theft after delivery is the dominant risk — porch piracy targets recognisable, resellable packaging. Claim values are high and fraud risk is highest of any category.

Percentage pricing with a firm coverage cap. Automation rules hold every stolen-after-delivery claim for manual review rather than auto-approving, and per-customer payout caps stop a single account claiming repeatedly.

The customer risk profile surfaces claim history before you approve, and carrier recovery opens a FedEx, UPS or USPS record on approval so an approved payout is not automatically a loss.

Individual claims are small, but volume is high enough that manual review is the real cost. Support time, not payout value, is what makes or breaks the programme.

A single flat-fee plan keeps the checkout decision simple, which matters most where attach rate drives everything. Auto-approval clears claims under a value threshold from customers with a clean history.

Most claims resolve without an operator ever opening them. Your team sees only the exceptions, and attach rate in the analytics tells you whether the fee is priced where customers will accept it.

Long transit times and multiple carrier handoffs mean lost-in-transit dominates. Tracking often goes quiet mid-route, and customers ask where their order is long before they file anything.

Carrier tracking ingestion so claims can open themselves when tracking reports a shipment lost. Longer manual-review windows on international orders, since a quiet tracking record often resolves itself.

Tracking status sits beside the customer's account of what happened, so you are deciding on evidence rather than guesswork — and the claims portal absorbs the "where is my order?" traffic that would otherwise hit support.

You never touch the box. Packaging quality, dispatch speed and carrier choice are all decided by a supplier you do not control, often shipping from another country. Whatever the loss and damage rate turns out to be, you cannot fix it at source.

Percentage-of-cart pricing, so protection scales with order value on margins that are already thin. Carrier tracking ingestion opens claims automatically when a shipment is reported lost, rather than waiting for the customer to chase it.

Product-level claim reporting shows which supplier is actually costing you, turning a vague sense that "some orders go missing" into a number you can negotiate with. And losses you were quietly absorbing as goodwill refunds now have revenue behind them.

Protection has to be deployed across many stores with different catalogues, and each client wants it to look like their own brand — not a plugin vendor's.

An Agency licence covering up to 1,000 sites, with white-label branding putting your agency name in the admin menu, email footers and customer portal. The multi-store dashboard handles claims across connected stores from one place.

Each client keeps 100% of their own protection fees, so it is a service you deliver rather than a revenue share you have to explain. Per-store analytics show which catalogues carry the most risk.