RagTop Shipping Insurance was developed out of our dissatisfaction with commercial shipping insurance.  We’ve found that commercial shipping insurance is not affordable to insure for the full value of the item.  We’ve been maxed out at an $800 value on the item to try to keep it affordable for the customer.  This means that, if the package is lost, the customer is potentially not getting back the true value of his/her helmet.  Commercial insurance is also a lengthy and complicated process, with a minimum of a 90-day investigation.    We at RagTop want to make an easy, affordable way to insure the customer’s package in its entirety. RagTop Shipping Insurance covers the ENTIRE cost of the helmet, including upgrades and/or repairs- for the same cost as traditional commercial insurance!  There are no lengthy investigations, meaning, if after 30 days a package is lost, RagTop Shipping Insurance pays out!  We will replace the customer’s helmet in like kind and quality or monetary value.