Most carriers include a limited amount of liability coverage in their rates, which applies even when a label is purchased through Shippo. However, if you’d like to use the carrier’s own insurance instead of Shippo’s third-party coverage, you will need to purchase the label directly through the carrier’s website and not via Shippo.
The only exception to this is if you're using our API, which does support purchasing insurance coverage from UPS, FedEx or OnTrac. You can learn more about this in our API documentation, under "Shipment Extras": https://goshippo.com/docs/reference#shipments
FedEx actually does not offer insurance, which they address in their 2014 FedEx Service Guide. Instead, they offer “declared value coverage.” This means that each FedEx parcel is covered automatically up to a value of $100 against loss or damage, so the package is essentially “insured” as long as the value of the contents is under $100.
UPS includes liability coverage of up to $100 for packages with no declared value (which applies to all packages created through Shippo, since there is no field for declared value). Per their website, “liability for loss or damage is limited to US$100.00 on shipments with no declared value.”
USPS includes insurance in all Priority Mail and Priority Mail Express rates. According to their website, packages are “insured against loss, damage, or missing contents, up to a maximum of $50.00 or $100.00.” For more details and exclusions and to file for a claim, see here. For international shipments, USPS insurance applies to medium and large flat rate boxes only.