The Invisible Risk in Every UPS Label
CIO vs UPS: Why Declared Value Isn't Enough to Protect Your Shipments Shipping Protection · 2026 Guide UPS Declared Value: Not Insurance. Not Even Close. How UPS limits its own liability — and why smart shippers use CIO to cover the gap. By CIO | Cargo Insure Online · May 2026 · 7 min read The Invisible Risk in Every UPS Label UPS is a logistics titan. Brown trucks, reliable delivery, a global network trusted by millions of businesses every day. But there's a quiet sentence buried deep in the UPS Tariff & Terms of Service that every shipper should know: "UPS does not offer insurance on any item with a declared value over $100. Insurance should be obtained from a third party." — UPS Tariff/Terms and Conditions of Service, Page 171 Read that again. UPS itself — on page 171 of its own service guide — explicitly states it does not provide insurance. What UPS offers instead is a decl...