01
Shipping insurance cost formula
Multiply declared shipment value by the entered percentage rate, then add the entered fixed fee.
CalculatorsFREE · NO SIGNUP
Shipping Insurance Calculator
Calculate a shipping-insurance charge from declared value and a rate or fixed fee you already know, without inventing a carrier quote.
FREE TO USEA LOOK ATLAS TOOL
01 USE IT NOW02 NO ACCOUNT03 FIELD NOTES BELOW
WORKING INPUTS
Apply the pricing rule you were quoted.
LIVE RESULT
Estimated insurance charge
$12.00Entered-rate worksheet only; confirm coverage, limits, exclusions, and the final charge with the carrier or insurer.DECLARED VALUE$800.00
PERCENTAGE CHARGE$10.00
FIXED FEE$2.00
VALUE PLUS CHARGE$812.00
ENTERED RATE1.25%
12
DECLARE THE RULE BEFORE THE VALUE
A transparent worksheet, not a carrier quote
Coverage prices, included liability, limits, and claims rules vary by carrier and service. This worksheet applies only the rule you enter.
WORKING VIEW
$12.00 INSURANCE$800 VALUE · 1.25% + $2
METHODdeclared value × entered rate + entered fixed fee
WORKING NOTE800 × 1.25% + 2 = 12
INPUTS → CLEAR OUTPUT
THE FIELD NOTES
Quick answer above. Better decisions below.
Use the result now, then read the practical notes for assumptions, examples, limitations, and the choices behind it.
$800 VALUE · 1.25% + $2$12.00 INSURANCE
800 × 1.25% + 2 = 12
02
Use the quoted pricing basis
Enter the rate and fixed charge from your carrier, broker, platform, or policy.
03
Declare one shipment value
Use the same merchandise-value basis required by the selected service and keep currency consistent.
04
Confirm coverage and claims rules
This tool does not determine eligibility, included liability, exclusions, deductibles, documentation, or claim payment.
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Shipping insurance cost formula
Multiply declared shipment value by the entered percentage rate, then add the entered fixed fee.
For a current UPS-specific rule, use the UPS shipping insurance cost calculator.
Use the quoted pricing basis
Enter the rate and fixed charge from your carrier, broker, platform, or policy.
A zero in either pricing field means that component is not charged.
Declare one shipment value
Use the same merchandise-value basis required by the selected service and keep currency consistent.
Use the shipping box size calculator to plan the parcel dimensions before choosing the service and coverage rule.
Confirm coverage and claims rules
This tool does not determine eligibility, included liability, exclusions, deductibles, documentation, or claim payment.
The carrier or insurer remains the source of truth.
Questions, answered.
How is shipping insurance cost calculated?
Apply the known percentage rate to declared value and add any known fixed fee.
Does this quote UPS, USPS, FedEx, or another carrier?
No. It applies only the rate and fixed fee you enter; confirm current rules with the selected carrier or insurer.
Is declared value the same as insurance?
Not always. Carrier liability and insurance terms vary, so verify coverage, limits, exclusions, and claims requirements.
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