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You've done everything perfectly. The product is excellent, your site is optimized, the marketing attracts customers. A sale is made. But between the click on "ship" and your customer's smile, there's a grey area: transport. One lost, stolen or broken package, and all your hard work falls apart.
Worse still, you discover that your carrier's insurance is an illusion, a Band-Aid on a hemorrhage that's costing you money, time and your reputation.
Stop suffering. The choice of your shipping insurance is not a cost line, it's one of the most powerful levers for your profitability and your customer experience.
This guide is not a simple comparison. It's the definitive strategic analysis for you, the e-merchant, enabling you to choose not insurance, but competitive advantage.
The Basic Insurance Trap: Your E-commerce Delay Bomb
Before looking for the best solution, it's important to understand why the default solution is the worst. Carriers' "included insurance" is deliberately limited. It protects the carrier, not you. Derisory" ceilings, multiple exclusions (forget jewelry, high-tech), interminable reimbursement times (between 10 and 12 weeks on average)... Relying on it means playing Russian roulette with every parcel.
The 4 Pillars of True E-commerce Insurance
To choose your shield, you need to evaluate each solution on these four non-negotiable criteria.
Pillar No. 1: Coverage. Are your products REALLY protected?
Most insurances have long lists of exclusions. The best insurance is the one that includes the diversity of your catalog.
Pillar No. 2: The Ceiling. How safe is safe?
What happens if you ship a €2,000 product? Serious insurance must cover its real value.
Pillar no. 3: Speed. Does your insurance protect your customer experience?
In the event of a claim, fast, carrier-independent reimbursement is the key to immediate customer satisfaction and protecting your reputation.
Pillar no. 4: Automation. Is your insurance a manual task or a growth driver?
This is THE criterion that separates the insurance companies of the 20th century from those of the 21st. Native integration with your tools (CMS, OMS) is no longer an option, it's a necessity.
Solutions Match : Strategic Analysis
Now that the rules have been laid down, let's take a look at the two main market options.
Option 1: Carrier Insurance (Colissimo, Chronopost, DHL, GLS, UPS...)
It's the starting point, and unfortunately, often the end point for many. Looking at our four pillars, the verdict is clear. Ceilings are low (often €5,000), coverage is riddled with exclusions (high-tech, jewelry...), compensation is non-existent because of the carrier's lengthy procedures, and automation is a mirage. It's a basic solution that should only be considered for very low-value parcels, and accepting a permanent risk to your customer experience (the average time taken to resolve a dispute is over 10 weeks).
Option 2: The Specialist with API and CMS & OMS Native Connectors (Claisy)
This is where the rules of the game change. Claisy combines the best of both worlds: the power of a specialist and the integration of a modern solution.
On the first three pillars, excellence is the order of the day: virtually unlimited ceilings, very extensive coverage including high-risk goods such as high-tech, jewelry or second-hand goods, and ultra-fast compensation (over 90% of claims compensated within 72 hours) uncorrelated with the carrier.
But it's on the fourth pillar, automation, that Claisy breaks new ground. Thanks to its ready-to-use native connectors with major CMS (Shopify, WooCommerce, PrestaShop, Magento) and logistics solutions (ShippingBo, Esendeo), insurance is no longer a chore. It's an intelligent process that integrates into your ecosystem. You define the rules (e.g. "automatically insure all orders over €150") and the system secures your shipments without any manual intervention. Insurance works for you, not the other way around.
For even greater freedom, Claisy also offers an API catalog, enabling you to control the granularity of your coverage: perfect for meeting occasional or small recurring needs, Claisy is a true specialist, unlike carriers. They offer high ceilings (up to €100,000) and much broader coverage than carriers. Compensation is also rapid. However, the automation pillar presents a major constraint: integration is via an API. This is a powerful solution, but it requires specific development resources to connect the insurance to your back-office. It is therefore a viable option for companies with a technical team capable of carrying out this tailor-made integration project.
The Verdict: The Best Insurance Is The Insurance That Works For You
Let's stop talking about insurance as mere protection. In 2025, the best e-commerce insurance is a productivity tool.
- If your site runs on Shopify, WooCommerce, PrestaShop or Magento, and you're looking to eliminate manual tasks while enjoying the best possible protection, Claisy isn't an option, it's the obvious choice. Native connectors give you an unrivalled competitive edge
- If you have a dedicated team of developers and want to build a fully customized API integration, Claisy is an alternative, but check the prerequisites for coverage and the claims process.
- If you only sell very low-value products, your carrier's insurance may suffice, but you're accepting a permanent risk to your customer experience.
In Synthesis, the best e-commerce shipping insurance is no longer the one that reimburses best, but the one that integrates most intelligently with your tools. It must offer comprehensive coverage, high ceilings, and above all, automation via native connectors with your CMS. This is what will enable you to protect every parcel, delight every customer, and focus on what really matters: growing your business.