Auto-insurance rules: never ship a high-value order uninsured

EasyPost insurance is cheap (typically $0.65 + 0.55% of declared value) and covers loss, damage, and theft. The hard part is remembering to add it—a manual checkbox at label time gets skipped, especially under rush. Auto-insurance removes the decision: set a threshold once and every order above it gets insured at purchase, no clicks required.

Open Admin → Settings → Insurance. Set insuranceAutoThreshold to your minimum order value to auto-insure—e.g. $250. Every order with a total above that gets insurance equal to the order value automatically applied when the label is purchased. Set the threshold to $0 to insure every shipment. Leave the field blank to disable auto-insurance entirely.

At label purchase, purchaseLabel() in lib/batch-processor.ts checks the user's insuranceAutoThreshold. If the order value meets or exceeds it, EasyPost's insurance API is called immediately after the label is bought, passing the declared value. The insurance cost is added to the label's recorded cost so reporting is accurate.

You can exclude specific carriers (e.g. don't auto-insure on USPS because their lost-package recovery is already decent), or specific product categories (e.g. dangerous goods may not qualify). Per-order overrides work too: in the manual label flow, uncheck the "Auto-insure (over threshold)" indicator to skip insurance on a specific shipment.

When an insured shipment is lost or damaged, file the claim through the customer claim portal (see claim filing) or directly in admin. EasyPost typically pays out within 5-15 business days for valid claims with proper documentation. The auto-insurance flag means you have proof of coverage attached to the shipment record—no scrambling.