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Free shipping insurance calculator for ecommerce and logistics teams. Enter declared value, your tariff’s rate per $100, any minimum premium, and optional flat fees to estimate total coverage cost and effective rate vs value.
Last updated: April 13, 2026
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Total insurance cost
$6.25
Effective rate: 1.250% of declared value
Billable “$100” units
5.0000
Before minimum
$6.25
After minimum (no flat)
$6.25
Flat fees
$0.00
Tables, exclusions, and commodity limits vary by carrier and policy. Use your tariff or third-party insurer for binding quotes.
One figure to compare against self-insuring or third-party cargo quotes for the same declared value.
See whether your table is charging partial hundreds or stepping in whole $100 bands.
Spot when the carrier minimum dominates on small shipments.
Layer fixed per-shipment charges that some platforms show separately from the rate table.
Normalize cost across different declared amounts for quick benchmarking.
Match fields to your carrier PDF or API; always confirm live quotes at time of purchase.
$500 declared value, $1.25 per $100, $3.15 minimum, rounded to 5 × $100, no flat fee.
Billable units
5
Before minimum
$6.25
Total cost
$6.25
Effective %
1.25%
The tool multiplies your billable “$100 units” by the rate per $100, applies the minimum premium if that product is higher, then adds any flat per-shipment fee. Billable units are either the exact declared value divided by 100 or, when rounding is enabled, the ceiling of that ratio so each band is a full $100 step.
units = round-up ? ceil(declared ÷ 100) : declared ÷ 100
premium = max(units × rate per $100, minimum premium) + flat fee
Help ops and finance sanity-check coverage lines on labels and invoices.
Suggested hashtags: #ShippingInsurance #Ecommerce #Logistics #Parcel #thecalcs