Policy Summary: Route App, Inc.

The summary below is only a portion of the full Marine Open Cargo Policy written for the account of Route App, Inc. (“Route”).  Insurance coverage is subject to the full terms and conditions of the policy. 

Route shipping protection applies to the online purchase of merchandise in the event the merchandise is lost or damaged while in transit or “porch pirated” (“porch pirated” means that the carrier reports the status as “delivered” but the parcel has been stolen from the delivery address and a police report has been filed).

In order for Route to extend shipping protection to customers, a wholly owned subsidiary of Route (a licensed producer entity) procures a cargo insurance policy from an insurance underwriter that designates Route as the named insured (the “Route Policy”).  The Route Policy extends coverage to shipments where the transportation is tracked through Route.  This offer of coverage does not provide insurance to you directly, and you are neither an insured nor an additional insured under Route’s Policy.  Your election to add packages to Route’s Policy is entirely optional.  You have the option of obtaining protection from an alternative source or not at all.

The cost to customers for shipping protection is generally $0.98 for orders under $100 of merchandise value and $1.00 per $100 of merchandise value for orders of $100 or more.  Shipping protection charges include insurance premiums, fees for Route’s tracking service, and administrative fees.  Route reserves the right, in its sole discretion, to change pricing at any time.  Any charges for Route shipping protection will appear in the customer’s shopping cart at checkout on the applicable merchant’s website.

Customers that have paid for Route shipping protection can file claims for packages that have been lost or damaged in transit or “porch pirated” at https://claims.route.com/


New lawful and approved good are insured against “All-Risk” of physical loss or damage from any external cause. 

Excluded Goods

Cash, cigarettes and other tobacco products, computer memory modules and cards, cotton, fine art (defined as art valued in excess of $10,000 per piece), flowers, fresh foods (excepting frozen foods in refrigerated containers), jewelry valued in excess of $300 per piece, live animals, negotiable papers, perishable commodities (defined as commodities which spoil or deteriorate when not carried or stored in a temperature controlled environment), pharmaceutical drugs, plants, precious stones and metals, and securities.  Automobiles and motorcycles, bagged goods, boats and yachts, ceramic, marble or granite tiles, slabs blocks, countertops or statutes,  glass windows, plate glass and similar goods; lumber, used household goods and personal effects; scrap metal, steel metal and steel metal products.

Special Commodity Insuring Conditions

  • FROZEN FOODS are insured against “All Risks” of physical loss or damage from any external cause except for the exclusions listed below, and further excluding gradual deterioration. It is however, agreed that while the goods insured are under refrigeration, this insurance is extended to cover loss, damage or deterioration due to, or caused by derangement, breakdown or stoppage of refrigerating machinery or refrigerating plant or insulation provided such derangement, breakdown, or stoppage continues for a period not less than twenty-four (24) consecutive hours.

Notwithstanding the provisions of the exclusions stated above, this insurance covers loss of or damage caused by the negligence of any third party who has possession or custody of or responsibility for the cargo insured hereunder during the time that this Policy is in force.

Warranted by the Assured that the interest insured hereunder is in sound condition at the time of the commencement of risk. 

Frozen foods shipped by air are on application only.

  • SERVER RACKS (WHEN CONTAINING COMPUTERS, SERVERS and/or ELECTRONIC COMPONENTS) are insured against “All Risks” of physical loss or damage from any external cause, except for the exclusions listed below. However, each claim shall be subject to a deductible of ten percent (10%) of the total insured value (subject to a minimum deductible of $5,000).   

Claims for damage and/or breakage shall be excluded entirely unless the server racks are packed and shipped in wood crates. 

  • USED GOODS are insured subject to FPA terms. 

Subject to an additional premium, coverage may be extended to include theft and/or non-delivery of an entire shipment. 

  • WINES, LIQUORS, BEERS and SIMILAR SPIRITS are insured against “All Risks” of physical loss or damage from any external cause, except for the exclusions listed below. However, claims for pilferage and breakage shall be subject to a deductible of one percent (1%) of the total insured value (subject to a minimum deductible of $250).
  • LAPTOP, TABLET COMPUTERS, MOBILE/SMART PHONES OR WATCHES are insured against “All Risks” of physical loss or damage from any external cause, except for the exclusions listed below. However, the limit of liability for any one shipment shall not exceed $2,500.

Geographical Limits 

To and from ports and or places in the World to ports and or places in the World with privilege of transshipment by land and/or water; however, shipments to/from Afghanistan, Iran, Iraq, Somalia, Sudan and truck/rail shipments to/from/within Mexico other than as a connecting conveyance are excluded entirely. Also including domestic shipments within the United States and/or Canada. All other domestic shipments are excluded unless specifically endorsed hereon.

Regardless of the Duration of Risk clauses found elsewhere in this Policy, coverage for shipments to Haiti, Nigeria, Pakistan, and the Commonwealth of Independent States (CIS) ceases upon discharge from the ocean vessel or aircraft.

The CIS presently includes Armenia, Azerbaijan, Belarus, Kazakhstan, Kyrgyzstan, Moldova, Russia, Tajikistan, Turkmenistan, Ukraine and Uzbekistan.


This insurance attaches from the time the goods insured commence transit and/or are located anywhere incidental to transit and continues during the ordinary course of transit until transportation terminates at final destination or the Assured’s interest ceases, whichever occurs first.


This coverage does not insure against any loss, damage or expense attributable to or caused by:

A. Ordinary leakage, ordinary loss in weight or volume, or ordinary wear and tear of the goods insured;

B. Willful misconduct, infidelity, conversion or dishonest acts of the Assured, or the Assured’s employees, whether committed alone or in collusion with others;

C. Rust, oxidation or discoloration on unpacked and/or unprotected cargo;

D. Loss of market or loss, damage, expense or deterioration arising from delay, whether caused by a peril insured against or otherwise;

E. Inherent vice or nature of the goods insured;

F. Insolvency or financial default of the owners, managers, charterers, or operators of the vessel where, at the time of loading of the goods insured on board the vessel, the Assured is aware, or in the ordinary course of business should be aware, that such insolvency or financial default could prevent the normal prosecution of the voyage. This exclusion shall not apply where the contract of insurance has been assigned to the party claiming hereunder who has bought or agreed to buy the goods insured in good faith under a binding contract.

G. Insufficiency or unsuitability of packing or preparation of the goods insured to withstand the ordinary incidents of the insured transit, but only where such packing or preparation is carried out by the party presenting the claim for payment, or its employees, prior to the attachment of this insurance (for purposes of this clause, “packing” shall be deemed to include stowage in a container, and “employees” shall not include independent contractors).Where a loss results from improper packing, but the claim is covered because the packing was not performed by the party presenting the claim for payment or its employees, it is the duty of the Assured to assist Underwriters in recovery efforts against responsible parties. It is further understood that no future claims shall be recoverable under this Policy which arise from improper packing performed by the same person or entity unless additional shipment(s) have already departed from the same shipper when improper packing is first discovered.

H. Electrical, electronic and/or mechanical derangement unless the Assured is able to demonstrate that such damage is the result of a peril insured against;

I. Shipments on chartered vessels that are not classed A1 American Record or equivalent by a member of the International Association of Classification Societies; chartered vessels over 40 years of age; vessels on break-up voyages; chartered barges; vessels built for service on the Great Lakes; vessels built solely for Military or Naval Service; or vessels built for carriage of dry bulk or liquid bulk cargoes, and which are more than 20 years of age;

J. Any accident occurring while rolling stock cargo is being driven under its own power or being towed on its own wheels, except during loading and unloading and positioning by the steamship line.


All insurance coverage is subject to the full terms, conditions and wording of Marine Open Cargo in the name of Route App, Inc..