The Product Doesn't Work
Your customer receives a package. The product is defective. The factory says: "We'll send a replacement, but you pay for return shipping and customs duties."
Your customer paid. Now they wait. Again.
No One Takes Responsibility? We Do.
Optional order insurance covering what others won't: product defects, damaged packaging, customs seizures, and delayed delivery. Small fee. Full protection. Your choice.
Reliability Guaranteed100% Transparency
// The_Problem
Why No One Takes Responsibility
Damaged in Transit
The package arrives soaked. The product inside is ruined.
You contact the shipping carrier. Their response: "Packaging damage is not covered in our terms."
No one pays. Your customer loses.
// PT5 Order Insurance
We Cover What Others Won't
PT5 Order Insurance is optional coverage that protects against product quality defects, damaged packaging (water, impact, etc.), customs seizure or detention, and delivery delays beyond 30 days.
How it works:
- Choose coverage when placing your order
- Pay a small percentage of the order value
- If something goes wrong, we handle the claim
- Get compensated - not excuses
This is optional. You decide. But when things go wrong, you'll be glad you did.
// Operational_Flow_v2.0
Claim Protocol Engine
System Ready: Waiting for Input
Industrial sourcing discrepancy detected? Initialize the diagnostic engine to begin the recovery protocol.
// Premium_Schedule
Insurance Rates
| Product Classification | Risk Level | Insurance Rate |
|---|---|---|
| General Goods | Regular | 2% |
| Battery Included | 1 Batt + 1 Spare | 3% |
| Sensitive Items | Liquids / Powders | 4% |
| Branded Products | Brand Name | 5% |
| Batteries Only | Pure Battery | 6% |
| White Powder | Excluded | Not Insurable |
What You Need to Know
- Completely Optional - No forced charges. You choose at checkout.
- Only Charged When Selected - No surprise fees.
- White Powder Excluded - White powder products cannot be insured.
Claim Deadline
Claims must be filed within 5 days of the shipment showing "delivered". Late claims cannot be processed.
Rate Adjustments
PT5 reserves the right to adjust rates every 30 days based on claim ratios. Minimum 3 days advance notice for any rate changes.
// Compensation_Protocols
Three Compensation Options
Option 1: Full Evidence
Applies to: Quality defects, Damaged packaging
Requirements: Clear photo evidence showing shipping label, damaged product, and packaging in the same frame.
100%Of Insured Amount
Option 2: Fast Track
Applies to: Quality defects, Damaged packaging
Requirements: No photo evidence required. Faster processing for immediate resolution.
70%Of Insured Amount
Option 3: Customs/Delay
Applies to: Seizure, 30+ Day Delay
Requirements: No photo evidence required. 30-day delay confirmed from tracking data.
100%Of Insured Amount
Refund Timeline
Once claim is approved: 7 business days to process payment. No lengthy investigations. No endless back-and-forth. We verify, we pay.
Replacement Option
Instead of cash compensation, you can choose to have PT5 re-source the product and re-ship to your customer. Use the insured amount to cover replacement costs.
Coverage Amount Limits
Minimum Coverage100% of PT5 Service Fees Charged
Maximum Coverage120% of Your Store's Selling Price
Coverage is calculated based on the net order value excluding local taxes. For orders exceeding $100k, a custom premium quote is required for tiered risk distribution.
// Exclusions
What's Not Covered
White Powder Products
Cannot be insured under any circumstances. Zero liability coverage for this category.
Incorrect Address
Losses caused by buyer's incorrect address information.
Legal Seizures
Confiscation due to legal violations in destination country.
Wear & Tear
Normal wear and tear after delivery confirmation.
Note: Claims filed more than 5 days after delivery confirmation are automatically voided.
// Market_Benchmarks
Comparison Matrix
| Situation | Factory | Carrier | PT5 Insurance |
|---|---|---|---|
| Defective product | Won't pay shipping | Not their job | Covered |
| Damaged packaging | Not responsible | Not covered | Covered |
| Customs seizure | Won't help | Not involved | Covered |
| 30+ days delay | Won't compensate | May offer partial | Full coverage |
| White powder | - | - | Not insurable |
Protect Your
Orders Now
Order insurance is optional. But when things go wrong, you'll be covered - not left arguing with factories and carriers.
Enroll in Coverage