It depends. Our regular shipments via FedEx are insured by FedEx. For USPS shipments (i.e. PO Boxes), we use a third party insurance company, but only for packages valued over $40. The insurance company will not insure APO/FPO (military) shipments due to frequent troop movement and theft issues within the military postal system. Thus, USPS shipments that are valued less than $40 or are going to APO/FPO are shipped at the risk of the customer.