In return for the premium paid, we will provide the insurance described in this Certificate in return for the premium and compliance with all provisions of this Certificate including applicable endorsements and Certificate Declarations Page, which are attached to and made part of this Certificate.

This Certificate covers eligible packages from physical loss, damage, or shortage from an external cause (subject to the exclusions listed below) while in transit as well as theft upon delivery through the coverage term. This Certificate covers the total package liability up to the limits listed under Limits of Liability (inclusive of any carrier benefit due to the Insured). Any package that is covered by this Certificate will be shipped by a United States of America domiciled person or entity through a carrier according to its regulations and procedures. Coverage is only provided for shipments through an approved carrier. Package return shipments are not covered by this Certificate.

You acknowledge that the insurance coverage is provided by Voyager Indemnity Insurance. Voyager is a non-admitted insurer. You may access Voyager Indemnity Insurance Company's Privacy Notice here: Privacy Policy

In order for a package to be covered, the shipping carrier must have verified acceptance of your package for mailing. This is found on the respective tracking websites of the shipping carrierss. If a shipping label is printed but not scanned by the carrier as accepted and in-transit it is deemed as never been mailed and there is no coverage.

The following terms have specific meanings and appear in bold face type throughout this Certificate:

1. Recent Appraisal is a recent valuation of the contents of a package that has been provided by a certified Appraiser. Appraisals must be dated within 60 days prior to shipment
   
2. Carrier means the commercial entity that transports a package covered by this Certificate.
   
3. Recent Invoice is the purchase order(s) or receipt(s) specific to the claimed package contents. Invoice must be dated within 60 days prior to shipment.
   
4. Loss means an incident of physical loss, damage, or shortage to a package from an external cause while in transit. In addition, loss also includes theft after delivery.
5. Package means a single shipping unit, that you enrolled for coverage under this Certificate, and its contents. Banded boxes and pallets of boxes are considered one single package.
   
6. Physical Loss means the vanishing of the package during carrier transit without the knowledge as to place, time, or manner of anyone with an interest in the package.
   
7. Policyholder means Redo Tech Inc.
   
8. Pollution includes the actual, alleged, or potential presence in or introduction into the environment of any substance if such substance has or is alleged to have, the effect of making the environment impure, harmful, or dangerous. Environment includes any air, land, structure or the air therein, watercourse or water, including underground water.
   
9. Premium means the price of the insurance purchased under this Certificate as listed on your purchase receipt.
   
10. Theft means a package that is stolen outside of a residence or business where it was delivered by the carrier, with intent to deprive the rightful owner of the contents.
    
11. Total Insured Value means the total value of the item(s) declared for insurance coverage. Includes the carrier provided coverage, if any.
    
12. You / Your means the Shipper(s), individual(s) or companies who have elected to purchase insurance through the Policyholder’s business operations.
    
13. We / Us / Our means Voyager Indemnity Insurance Company and our designated agency.
    

Coverage under this Certificate is valid while the package is in transit with the carrier. Coverage also extends to theft that occurs upon delivery of the package to the intended residence or business and until the lesser of 10 days from the date the carrier marked the package as delivered or when the residence or business takes possession of the package.

We reserve the right to deny your request for coverage from the date of purchase through the Coverage Start Date. If we deny your request for coverage, we will provide to you notice and return any premium paid.

Our liability under this Certificate shall be no greater than the liability assumed under and in accordance with each Certificate issued.

This Certificate covers up to $5,000 per package for Domestic shipments (within the U.S.) sent via Common Carrier (LTL Freight), Canada Post, DHL eCommerce, FedEx, FedEx Smartpost, UPS, UPS SurePost, and the USPS. Maximum coverage per conveyance is $100,000. Coverage is for U.S. Domestic shipments, only.

This Certificate does not provide coverage for the following:

1. Accounts, bills, currency, cash in transit, evidence of debt, checks, money orders, cash on delivery (COD) payments, coins (*collectible coins are not excluded), securities and other negotiable papers, tickets, deeds, notes, gift cards, manuscripts, documents, neon items, hazardous material (per UPS Hazardous Materials List), televisions, monitors, screens, perishable cargo or similar property, eggs, any stone or ceramic slabs, automobiles,motorcycles, live animals, flowers, plants, seeds, cigarettes/cigars, cotton, tobacco, windows, plate glass, stained glass, float glass, guns and firearms (including kit for any gun or firearm), rocks (including geodes, crystals, amethyst, clusters, minerals, fossils, and similar), products that contain cannabidiol (CBD), laptop computers (including tablets computers, iPads, and similar electronics), and mobile telephones (including cell phones, smart phones, and similar).
   
   Additionally, collectible merchandise, *collectible coins, comic books, sports cards and similar that are being shipped to be graded and have their value established are excluded. These items are not excluded if they have already been graded and have their value established or if they were sold under a paid, commercial invoice in the past seven days (before shipping) or have a Recent Appraisal.
2. Shipments sent to Afghanistan, Angola, Bolivia, Burma, Congo, Cuba, Iran, Iraq, Ivory Coast (Cote d'Ivoire), Liberia, Nigeria, North Korea, Paraguay, Sierra Leone, Somalia, Sudan, Syria, Venezuela. Any location that would be in violation of any U.S. economic or trade sanctions including OFAC Restricted Countries. For shipments to Russian and other Commonwealth of Independent States countries (includes Armenia, Azerbaijan, Belarus, Georgia, Kazakhstan, Kyrgyzstan, Moldova, Russia, Russian Federation, Tajikistan, Turkmenistan, Ukraine, and Uzbekistan) coverage ceases upon touchdown of the aircraft at the airport of destination or upon discharge from the overseas vessel at the destination discharge port.
3. A Package that requires a signature confirmation or signature required service that is not sent using the required signature service are excluded from coverage.
4. Physical damage, shortage, or non-arrival of any package and its contents which is addressed incorrectly or packed insufficiently to withstand the normal rigors of transit.
5. Any intentional dishonest, fraudulent or criminal act by you, your representative, anyone that you entrust with the package, or anyone with an insurable interest in the package for any purpose, whether acting alone or in collusion with others.
6. Packages that are shipped as a result of fraud or those that are re-routed, intercepted enroute, or retrieved at a point other than the original delivery address due to dishonest, fraudulent instruction or misrepresentation to the carrier.
7. Physical loss, damage, shortage arising out of loss of market, delay, loss of use, clean-up costs, decay, inherent vice, or other deterioration, any remote or consequential loss, whether or not arising out of a peril insured against or changes in temperature or humidity.
8. War Exclusion, Atomic and Nuclear Exclusion: In no case shall this Certificate cover Loss caused by: 1) War, civil war, revolution, rebellion, insurrection, or civil strife arising from, or any hostile act by or against a belligerent power; 2) Capture, seizure, arrest, restraint or detainment (piracy excepted), and the consequences of or any attempt of; 3) Derelict mines, torpedoes, bombs, or other derelict weapons of war. In no case shall this Certificate cover loss damage or expense arising from the use of any weapon of war employing atomic or nuclear fission, fusion or other like reaction or radioactive force or matter.
9. Any liability for damage arising from delays or any consequential damages due to a claim.
10. Mechanical and Electrical Derangement or Mechanical Breakdown - Loss of or damage due to mechanical, electrical, electronic derangement or refrigerated breakdown unless there is evidence of external damage to the package or its packaging. Data files and installed computer programs are not covered for erasure, corruption, or loss.
11. Packages involving illegal or controlled substances.
12. Any damage, expense, cost, loss, liability or legal obligation arising out of or in any way related to pollution, however caused. We will have no duty to defend any suit arising out of or in any way related to pollution.
13. Shipments sent through owned, leased or rented vehicles that are not commercial businesses.
14. Sanction Limitation and Exclusion: any loss that breaches any sanction, embargo rule, law, regulation, prohibition or restriction imposed by the United Nations Security Council, or any trade, embargo or economic sanctions laws or regulations of the European Union, the United Kingdom, or United states of America.
15. Package contents shipped as part of a barter or trade transaction with no monetary exchange.
16. Package contents shipped on consignment, memorandum, or approval unless shipped in fulfillment of an order that was paid for in full before shipping. Shipments of gifts are not excluded, provided they have a pre-shipment Recent Invoice or Recent Appraisal.
17. Insurance Premium Paid.

1. ASSIGNMENT
   Assignment of interest under this Certificate shall not be valid unless we give our written consent.
2. CANCELLATION
   You may cancel coverage under this Certificate up to the date that you provide your package to the carrier for shipment by visiting the Policyholder’s website. If cancelled, you will receive a full refund of the premium paid. You may not cancel coverage under this Certificate or receive a refund of premium paid after you provide the package to the carriers. Coverage under your Certificate is not renewable
3. CLAIM DISPUTES
   The Master Policy and Certificates shall be construed and interpreted in accordance with the laws of the State of Utah.
   
   The parties agree that any and all claims or disputes arising out of the Master Policy or the performance of the Master Policy and Certificates shall be brought in Los Angeles County, California. You agree to indemnify and hold us harmless from any loss, liability, damage or costs, including court costs and attorney fees that you may incur due to misreading, misunderstanding, and not following this Certificate’s coverage requirements.
4. CLAIM REQUIREMENTS
1. All packaging material and damaged goods must be kept in the original form as received. Packaging and damaged goods should not be disposed of or released to the carrier before a claim is completed as photographs will be required. Failure to comply will result in the denial of the claim due to insufficient packing.
2. Concealed damage allows for the discovery of loss or damage up to fifteen (15) calendar days after final delivery. The loss is deemed to have possibly occurred during the insured transit. Discovery of loss or damage occurring sixteen (16) calendar days or later after final delivery is deemed to have occurred while the shipment was NOT in transit, and therefore, is not covered.
3. In case of loss to the covered package you must:
1. File immediate notice of non-delivery, damage, or shortage with the carrier and with us.
2. Complete our claim form and provide all required documents to us within one hundred and twenty (120) calendar days from the date of shipment. If the carrier has liability and their remittance (carrier's claim check and stub) or response has not been received by you within the one hundred and twenty (120) day timeframe, all other claim paperwork must be received by us within one hundred and twenty (120) calendar days from the date of shipment.
3. Respond to our request for information about the package and the shipment, including but not limited to the carrier's tracer form, a copy of the recent invoice or recent appraisal, photos of damaged goods and packaging, a repair estimate, a claim statement signed by the recipient (or intended recipient). Additionally, due to certain proprietary fraud markers, we may request an onsite inspection, a mail theft report, a sworn testimony, an itemized inventory, or a police report. Failure to complete the claim form and follow all claim instructions could lead to a denied claim.
4. If the shipment is sent by the United States Postal Service (USPS) or consolidators, complete claims must be submitted and received by us within one hundred and twenty (120) calendar days of the shipment date. If the claim is for loss, you must wait twenty (20) calendar days (Domestic shipments) or 40 calendar days (International shipments) before filing claim with us.
5. Submit to an examination under oath as well as an examination of the package either by us or our authorized servicer, if requested.
4. The recipient will take proper exceptions on the delivery receipt when any loss or damage is apparent at the time of delivery.
5. Any damage to the package that was not repaired must be made available to us, if requested.
6. Once a claim has been accepted and approved by us, prompt payment will be made to you.
7. We will rely on the determination of responsibility made by the carrier to assist in substantiating the loss.
8. Should we pay a claim loss and subsequently learn that the carrier delivered the package and there was no loss to you, you agree to reimburse us for the amount of the claim upon request.
5. CONFORMITY TO STATUTE
   Any Certificate provision that does not conform to the laws of the state in which this Certificate is issued, is amended to comply with the minimum requirements of such law.
6. LIBERALIZATION CLAUSE
   If we make any revision, which would broaden the coverage under this Certificate without additional premium within sixty (60) days before or during the coverage term, the broadened coverage will immediately apply to this Certificate.
7. TERRITORY
   This Certificate covers packages while at and while transported from ports and/or places anywhere in the world to, ports and/or places anywhere in the world, including the risk of transshipment by land, air, water, or otherwise except as noted under exclusions.
8. TRANSFER OF RIGHTS OF RECOVERY TO US
   If we pay a claim under this Certificate, your rights to recover damages from any other party are transferred to us to the extent of our payment. You must do everything necessary to secure our rights and must do nothing after loss to impair our rights.
   
   After the Insured has been made whole, all amounts recovered by the Insured from third parties for which the Insured also received benefits under this Certificate, shall be paid to us up to the total amount of benefits paid by us.
9. VALUATION
   This Certificate covers the value listed on a recent invoice of the package; however, in the event there is no recent invoice, this Certificate covers the package's actual cash value. Claims for repairs shall be payable for the fair market costs of such repairs. In no event shall claims exceed the Total Insured Value declared prior to shipment and declared for premium purposes.
10. WAIVER OR CHANGE OF PROVISIONS
    A waiver or change of any provision of this Certificate must be in writing by us to be valid.
11. APPRAISAL
    If the named insured and we fail to agree to the amount of loss or damage, each will on the written demand of either select a competent and disinterested appraiser. The appraisers will select a competent and disinterested umpire and, failing for fifteen (15) days to agree upon such umpire, then at the request of the named insured or us such umpire will be selected by a judge of a court of record in the county and state in which the appraisal is pending. The appraisers will then appraise the loss or damage, stating separately the value and loss or damage; and failing to agree, will submit their differences only to the umpire.
    
    The award in writing of any two, when filed with us, will determine the amount of value and loss or damage. Each appraiser will be paid by the party selecting him and the expenses of the appraisal and of the umpire will be paid by the parties equally

The right to purchase insurance through this program is not guaranteed. we reserve the right to prohibit you from purchasing our insurance for reasons including but limited to fraud, misrepresentation, failure to follow these coverage rules, abusive or threatening behavior or language against any of our employees, and loss history. You will be provided 10 days’ notice if it is determined that you are ineligible for coverage.

By purchasing shipping insurance online, you certify that all information provided is accurate and truthful. The submission of a false, fictitious, or fraudulent statement may result in imprisonment of up to five (5) years and a fine of up to $10,000 (18 USC 1001). In addition, a civil penalty of up to $5,000 and an assessment of twice the amount falsely claimed may be imposed (31 USC 3802). Warning: any fraudulent claims will make the shipper and/or consignee liable for any prosecution for mail fraud under federal crime code.