u/yungmermaiddd

I run a small jewelry business and had a situation with Shipsurance that honestly has me rethinking everything about shipping insurance.

I shipped a package (~$595 value) during the holidays. It got lost in transit, so I filed a claim and it was approved + paid out.

Weeks later, the package randomly shows up… but it was delivered to my customer, not back to me.

Now Shipsurance is demanding that I repay the claim immediately, even though:

• I do NOT have the item back
• I have to coordinate the return with my customer
• I have to pay for return shipping
• There’s zero guarantee the customer even sends it back

So basically, they want their money back before I even recover the product… which could leave me out both the item AND the money.

I told them I’d repay once the item is returned to me, which feels reasonable, but they keep pushing and saying I’m “not complying with policy.”

They’re also asking for my return tracking number, and I’m hesitant to share that since it involves my customer and honestly doesn’t change the fact that I don’t have the item yet.

At this point it feels like:

• Insurance only works when it benefits them
• Small businesses carry all the risk
• And the second they want their money back, it’s aggressive and immediate

Am I being unreasonable here for refusing to pay until I actually have the merchandise back?

Also—if anyone has better recommendations for shipping insurance (especially for jewelry / higher-value items), I’m all ears because I’m definitely not using them again.

I run a small jewelry business and had a situation with Shipsurance that honestly has me rethinking everything about shipping insurance.

I shipped a package (~$595 value) during the holidays. It got lost in transit, so I filed a claim and it was approved + paid out.

Weeks later, the package randomly shows up… but it was delivered to my customer, not back to me.

Now Shipsurance is demanding that I repay the claim immediately, even though:

• I do NOT have the item back
• I have to coordinate the return with my customer
• I have to pay for return shipping
• There’s zero guarantee the customer even sends it back

So basically, they want their money back before I even recover the product… which could leave me out both the item AND the money.

I told them I’d repay once the item is returned to me, which feels reasonable, but they keep pushing and saying I’m “not complying with policy.”

They’re also asking for my return tracking number, and I’m hesitant to share that since it involves my customer and honestly doesn’t change the fact that I don’t have the item yet.

At this point it feels like:

• Insurance only works when it benefits them
• Small businesses carry all the risk
• And the second they want their money back, it’s aggressive and immediate

Am I being unreasonable here for refusing to pay until I actually have the merchandise back?

Also—if anyone has better recommendations for shipping insurance (especially for jewelry / higher-value items), I’m all ears because I’m definitely not using them again.