When you check-out on our website, insurance is automatically added to each order - $2 for every $100 of insurance. You can decline insurance by unchecking the box next to Insure my package. You can also change the amount of insurance in the box underneath this checkbox. When you decline insurance, you get a pop-up that says,
“By declining insurance, I understand that I own my package when it is delivered to the USPS or UPS. If it is lost or damaged in transit for any reason, it is my responsibility to work with the carrier. Discount Embroidery Supply will not replace lost or damaged shipments which are not insured. For more information, see our Terms and Conditions of sale.”
On that pop-up box, you must select OK to decline insurance or Cancel to accept the insurance. If you decline insurance, it is your responsibility to work with USPS or UPS to resolve the loss.
Why do we do this?
Some people don't want to pay for the insurance and want the ability to save the cost. In this situation, we offer the ability to decline insurance, but that means you are assuming the responsibility for loss.
All of our shipping is FOB-Shipping Point, which means the receiver of the package takes legal possession when the package is delivered by us to the carrier (USPS or UPS). Carriers will not accept packages that are not sealed and stable for transport. When you decline insurance, you are saying that you trust the USPS and UPS to not take a package from us that is damaged in the first place - which is true. You then assume the responsibility for safe transport by that carrier.