Most parcels move with a low default liability limit that applies whether or not the loss was the carrier's fault. Anything above that limit is uncovered unless you took a specific step at shipping time.
Declared value is not insurance
Declaring a higher value raises the carrier's maximum liability; it does not create an insurance policy with an insurer's obligations. Coverage remains subject to the carrier's exclusions — which commonly include insufficient packaging, certain goods categories, and consequential losses such as lost sales.
When a signature is worth it
- High-value items where a delivery photo would not resolve a dispute.
- Deliveries to buildings with shared or unsecured entrances.
- Any shipment where you would otherwise lose a chargeback for lack of delivery proof.
Making a claim stick
- File within the carrier's deadline — these are short and strictly enforced.
- Keep the packaging, the parcel and photographs of both.
- Provide the commercial invoice or purchase receipt showing actual value.
- Expect the shipper, not the recipient, to be the claimant on most carriers.