shipper

Packages are routinely insured for up to $100 by FedEx and UPS unless the shipper pays for more insurance, so even if your claim is approved, whether you recover the full value could depend on whether the shipper bought extra insurance.

Also, if UPS approves a claim, it typically pays the shipper, not you, so you’ll have to rely on the shipper to reimburse you for your loss.

When ordering something online, try to have the shipper require a signature for delivery.

That may help you obtain a refund from the shipper; whether it will drive off thieves is another story.

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