Insurance Coverage

Telephonyware insures all shipments shipped by our usual carriers (FedEx, UPS or USPS) both within the US, and to most countries worldwide.

What is Covered

Telephonyware holds a policy for coverage of parcels from all risks of physical loss or damage from an external cause (subject to the exclusions below) while in transit for all shipments originating from us.

Exclusions & Conditions

As with most insurance coverage, there are certain limitations to this cover. The following are the list of situations where coverage is excluded:

• Shipments to the following countries via the US Postal Service (FedEx shipments to these destinations are insured):
  

  Abkhazia	Afghanistan	Algeria
  Angola (including Cabinda)	Armenia	Azerbaijan
  Bangladesh	Belarus	Bulgaria
  Burma	Burundi	Chechnia
  Congo, Democratic Repubtdc Of	Congo, Repubtdc Of	Cuba
  Eritrea	Ethiopia	Georgia
  Guinea - Bissau	Indonesia	Iran
  Iraq	Ivory Coast	Jordan
  Kazakhstan	Kyrgyzstan	Liberia
  Libya	Mexico	Moldova
  Nigeria	North Korea	Paraguay
  Russian Federation	Rwanda	Seychelles
  Sierra Leone	Slovenia	Sri Lanka
  Sudan	Syria	Tajikistan
  Togo	Turkmenistan	Ukraine
  Uzbekistan	Yemen	Zaire
  Zimbabwe

  
  ... any country currently on the OFAC Restricted Countries List
• Lose, damage, shortage or expense caused by or resulting from hostile or warlike action in time or peace or war, including action hindering combating or defending against an actual, impending or expected attack by:
  • Any government or sovereign power (de jure facto), or by any authority maintaining or using military, naval or air forces
  • Military, naval or air forces
  • An agent of such government power, authority or forces
  • Any weapon of war employing atomic fission or radioactive force, whether in time of peace or war
  • Rebellion, revolution, insurrection, civil war, usurped power or action taken by governmental authority in hindering, combating or defending against such an occurrence, seizure or destruction under quarantine or Customs regulations, confiscation by order of any government or public authority or risks of contraband or illegal transportation of trade.
• Loss, damage, shortage or expense arising out of loss of market, delay, loss of use, clean up costs, decay or other deterioration, any remote or consequential loss, whether or not arising out of a peril insured against.
• Loss, damage, shortage or expense due to mechanical, electrical, or electronic derangement unless there is evidence of external damage to the insured item or its packaging.
• Loss, damage, shortage or expense relating to data files and installed computer programs are not coverted for erasure, corruption or loss.
• Loss, damage, shortage or expense due to or arising out of, whether directly or indirectly, nuclear reaction, radiation, or radioactive contamination regardless of how it was caused. However, subject to all provisions of this policy, the direct physical damage to the property insured, located within the United States or any territory of the United States or Puerto Rico by fire directly caused by the above excluded perils is insured, provided that the nuclear reaction, radiation, or radioactive contamination was not caused, whether directly or indirectly, by any of the perils excluded by this policy. Nothing in the above wording shall be construed to cover any loss, damage, liability or expense caused by nuclear reaction, radiation, or radioactive contamination arising directly or indirectly from the aforementioned.
• Insurance provided is secondary insurance. We are not responsible for any loss, damage, shortage or expense covered by another insurance policy.

Claims Process

• The consignee must retain all packaging material and damaged goods in its original form as received. Packaging and damaged goods should not be disposed of before a claim is completed. Failure to comply will result in the denial of the claim.
• You must file with us notice of non-delivery, damage or shortage within 14 calendar days. You must provide us and our insurer with any assistance we, at our sole discretion, deem necessary or beneficial to assess and process the claim.
• Any and all damaged property that was not repaired or replaced must be made available (given) to us or our insurer if requested.
• Once the claim has been processed and approved by our insurer, prompt payment will be made.
• We, and our insurer, rely on the determination of responsibility made by the original shipping carrier.