Welcome to Ceasta Assurance. This page outlines the terms and conditions that govern your use of our services. By accessing or using our platform, you agree to abide by these terms. Please read them carefully.
Ceasta Assurance Inc. provides transit insurance coverage for new Furniture, Fine Art, Vintage Furniture, home accessories, leased furniture, and trade shows.
Maximum single item limit up to $75,000. If exceeding the $75,000 maximum limit, subject to approval.
This insurance policy covers the shipping of the insured furniture from the point of pick-up confirmation, timestamped to the destination against damage, theft, or loss during transit.
3.1. Coverage applies to Trade Shows while in transit and during exhibits. See Trade Show Terms and Conditions.
3.2. Loans between the company and the customer. Must report each shipment for delivery and return to the original location, if applicable.
The furniture must be securely packed or encased. After it’s been packed or encased, provide a clear image of the package with an attached shipping label containing the name and address of the destination to CAI.
The insured value of the furniture will be determined by the declared value.
The insurance premium is calculated based on the shipment's declared value. This premium will be charged to the customer's payment method on file within 24 hours of reporting.
6.1. If the shipment is to be returned, the paid premium is non-refundable. Our policy does not cover furniture returns.
6.2. TPP program: The payment method on file will be charged the premium immediately upon purchase. Refer to Trade Show Protection T&C.
6.3. Cancellation: SPP can be canceled within 24 hours of reporting shipment on Ceasta.com. After 24 hours, the premium is non-refundable. NOTE: Premium processing time may vary, and some financial institutions may process premium payments in under 24 hours.
6.4. A 3.5% credit card fee will be applied to the premium.
6.5. Any premium for a claim must be paid before opening the claim.
All shipments must be reported through the online account.
7.1. Same Day shipments: Cut-off time for same-day shipments must be reported before 5 pm PST. If after, please contact CAI for approval.
7.2. Customers may cancel/edit their order within 24 hours of the shipment with no cancellation fees.
7.3. MDP, AIP, and DPP programs do not apply unless specified in policy.
7.4. CAI-approved customers who are legitimate businesses may report shipments only.
7.5. CAI reserves the right to refuse shipments and/or accounts that do not follow CAI policies.
Wait for confirmation from CAI before allowing the pickup of your furniture. Without this confirmation, no coverage will be provided.
The insured must submit a claim to CAI within 72 hours after the scheduled arrival date, upon determination of damage, theft, or loss. Submit all necessary information, documentation, and evidence to support the claim. If the furniture has been damaged, CAI will contact the shipping company to provide a damage report and necessary documentation to process the claim.
9.1. Provide documentation that verifies the purchase of the furniture from the showroom or furniture store, such as a purchase receipt.
All claim settlements are subject to the underwriter's discretion.
10.1. Claim settlements are to be paid to the CAI customer and not the recipient of the customer.
10.2. Settlement payments, at the discretion of underwriting, will not exceed the declared value.
10.3. SPP settlements are paid on the reported declared value.
10.4. DPP settlements are paid on the purchase receipt invoice, store receipt, or certified appraisal.
10.5. MDP settlements are paid on the store's manufacturer's invoice or bill of lading.
10.6. AIP settlements are paid on the 7501 custom forms, manufacturers' invoices, less shipping expenses.
10.7. Paid Paid in USD currency.
10.8. For shipments automatically insured up to the maximum limit from the original carrier, the final claim settlement will be the total amount minus the carrier's claim payment.
10.9. Customers are required to send proof of any claim settlements paid by the carrier.
CAI will only honor coverage for shipments that are picked up and confirmed, with the confirmation timestamped, up to the declared value. For furniture without Proof of Purchase, the fair market value will apply based on a certified appraisal.
If the furniture has been damaged while in transit, our Contracted Professional Repairer will provide the scope of repair work. Item replacement will only be considered after the repair assessment.
12.1. Repairable:
12.2. NOT Repairable: CAI will pay the claim based on the declared value. Proof of Purchase is required.
CAI retains ownership of all claim items once the underwriter has settled and closed them. Clients must provide the location for picking up these items and their delivery back to CAI. However, if damaged items are destroyed, clients are permitted to dispose of them.
Damaged items must not be moved to another location without CAI approval.
If the furniture is lost or stolen during transit, CAI will conduct tracing with the transportation company. After 10 working days, if the furniture cannot be found, CAI will begin the claim process.
13.1. The carrier's insurance payment to the client will be deducted from the claim settlements paid.
13.2. If using FEDEX, UPS tracking number, and email from the carrier stating the lost shipment cannot be found, and the case is closed.
13.3. A police report is required for theft or loss.
The insurance company reserves the right to inspect the furniture and the packaging at the point of origin or the final destination to verify the damage.
This Policy does not cover damage caused by war, riots, strikes, confiscation by authorities, or any other perils excluded by the insurance company.
15.1. All natural hazards perils unless specified in the MDP/ AIP custom policy
15.2. The policy excludes coverage for used household goods, including those related to household moves.
15.3. Merchandise was damaged due to a delivery vehicle collision.
15.4. Improper packing. See #4.
15.5. Intentional theft or fraud.
15.6. Reporting more than the declared value above the allowed maximum insurance limits.
15.7. Rented merchandise from a third-party vendor.
15.8. International imports, Hawaii, and Alaska, unless specified in policy for MDP/AIP.
15.9. Liability coverage is as follows:
The insurance company reserves the right to recover the paid amount from any responsible party or carrier.
This insurance policy is governed by the laws of the jurisdiction where the shipment originated, and any dispute arising from this insurance policy shall be subject to the exclusive jurisdiction of the courts of that jurisdiction.
The insurance policy may be terminated by the policyholder or the insurance company for various reasons, including non-payment of premiums or fraudulent claims.
The insurance company shall indemnify and hold the policyholder harmless from any claims, damages, or liabilities arising from the loss or damage of the item during transit or shipping.
Ceasta Assurance Inc. (CAI) provides transit insurance coverage for Mounted and Framed Artwork, Sculptures, Stretched Canvases, and all pieces related to fine art.
Maximum coverage up to $25,000. If exceeding the $25,000 maximum limit, please call CAI for approval.
2.1. Insure Limit without Proof of Purchase: Maximum coverage up to $10,000
This insurance policy covers the shipping of the insured artwork from the point of pick-up confirmation timestamped to the destination against damage, theft, or loss during transit.
3.1. The shipping company that is hired to transport the insured artwork must be CAI-approved.
3.2. Art on loan must reported per shipment for delivery and return to the original location, if applicable.
Clear images of the front and back of the artwork must be submitted for insurance purposes. CAI reserves the right to decline coverage if the images are not clear.
The artwork must be securely packed or encased and provide a clear image of the package with an attached shipping label containing the name and address of the destination to CAI.
The insured value of the artwork will be determined by the declared value or fair market value, whichever is lesser. Certified appraisal within the last 12 months may be used to determine value.
The premium for this insurance policy will be calculated as a percentage of the insured value of the shipment and will be charged to the merchant upon the conclusion of the transit phase. If the shipment is to be returned, the paid premium is non-refundable. Our policy does not cover returning artwork.
The insured must submit a claim to CAI within 72 hours after the scheduled arrival date, upon determination of damage, theft, or loss. Submit all necessary information, documentation, and evidence to support the claim. If the artwork has been damaged, CAI will contact the shipping company to provide a damage report and necessary documentation, to process the claim.
9.1 Artwork Purchased From An Auction House:
9.2. Artwork Purchased from a Gallery or Fine Art Store:
9.3. Without Proof of Purchase:
9.4. The premium of the claim must be paid before the claim can be processed.
CAI will only honor coverage for shipments that are picked up and with the confirmation timestamped, up to the declared value.
If the artwork has been damaged while in transit, our Certified Professional Restorer, an approved certified restorer, will provide the scope of restoration work.
13.1. If Repairable:
13.2. NOT Repairable, including theft or loss: CAI will pay the claim based on declared value. Proof of Purchase is required.
CAI retains ownership of all claim items once the underwriter has settled and closed them. Clients must provide the location for picking up these items and their delivery back to CAI. However, if damaged items are destroyed, clients are permitted to dispose of them.
Damaged items must not be moved to another location without CAI approval.
If the artwork is lost or stolen during transit, CAI will conduct tracing with the transportation company. After 10 working days, if the artwork cannot be found, CAI will start the claim process.
14.1. The carrier's insurance payment to the client will be deducted from the claim settlements paid.
14.2. If using FEDEX, UPS tracking number, and email from the carrier stating the lost shipment cannot be found, and the case is closed.
14.3. A police report is required for theft or loss.
15.1. Repairable: If the frame has been damaged and not the artwork, while in transit, our Certified Professional Framer will examine and repair the damage.
15.2. NOT Repairable: CAI will replace the frame with the same quality frame, by our contracted frame company.
The insured must notify CAI of any damage, theft, or loss within 72 hours after the scheduled delivery date.
The insurance company reserves the right to inspect the artwork and the packaging at the point of origin or the final destination to verify the damage.
This insurance policy does not cover damage caused by war, riots, strikes, confiscation by authorities, or any other perils excluded by the insurance company. See the SPP Terms and Conditions.
The insurance company reserves the right to recover the paid amount from any responsible party or carrier.
This insurance policy is governed by the laws of the jurisdiction where the shipment originated, and any dispute arising from this insurance policy shall be subject to the exclusive jurisdiction of the courts of that jurisdiction.
The insurance policy may be terminated by the policyholder or the insurance company for various reasons, including non-payment of premiums or fraudulent claims.
The insurance company shall indemnify and hold the policyholder harmless from any claims, damages, or liabilities arising from the loss or damage of the item during transit or shipping.
Ceasta Assurance Inc. provides transit insurance coverage for fine vintage furniture.
Maximum single item coverage up to $15,000 per single item. If exceeding the $15,000 maximum limit, contact CAI for approval.
Maximum single item coverage up to $5,000. Refer to “11.4.” for more details.
CAI shall provide coverage for insured vintage furniture during transit against damage, theft, or loss, from pick-up to final destination.
4.1. Coverage for vintage items shall be less than 100 years old.
Clear images of the front and back of the furniture must be submitted at the time of reporting, along with a photo of the attached shipping label and delivery address. CAI reserves the right to decline coverage if the images are not clear.
Furniture must be properly packed and crated by the furniture store. CAI will not be responsible for furniture packed by the non-approved CAI carrier.
The insured value of the vintage item will be determined by the declared value. CAI is not responsible for the authenticity of the insured furniture piece(s).
The insurance premium is calculated based on the shipment's declared value.
Coverage does not apply to customer pick-up. CAI reserves the right to not insure a carrier/transporter. CAI must approve all shipping companies.
The insured must submit a claim to CAI within 72 hours after the scheduled arrival date, upon determination of damage, theft, or loss. Submit all necessary information, documentation, and evidence to support the claim. If the furniture has been damaged, CAI/Client will contact the shipping company to provide a damage report and necessary documentation, to process the claim.
11.1. Purchased From Vintage Furniture store: A signed invoice or receipt must show the original price and date of sale.
11.2. A signed invoice or receipt from the store must show the original price and date of sale.
11.3. Original signed delivery order or receipt from the shipping company.
11.4. Without Proof of Purchase: In cases where there is no proof of purchase or receipt available, the maximum coverage is $5,000.
11.5. CAI reserves the right to engage a certified appraiser to determine the true market value of the furniture.
11.6. If the appraised value is lower than the declared value, CAI will only pay the appraised value and CAI will reimburse any excess paid premium on the claimed piece.
11.7. Customers have the option to utilize their certified appraisal, provided it was conducted within the last 12 months. CAI will accept the declared value if it is equal to or lower than the appraised value.
11.8. CAI will cover the cost of appraisal if the customer cannot provide an appraisal..
11.9. The premium of the claim must be paid before opening the claim.
Since furniture pieces are vintage and therefore unique, damaged items during transit will be subject to restoration and/or repair evaluation from a Certified Professional Restorer. Item replacement will only be considered after the repair assessment.
12.1. If Repairable:
CAI will present to the customer the scope of the restoration work for approval.
12.2. NOT Repairable: CAI will pay the claim based on declared value or fair market value, whichever is less. Proof of Purchase is required or a certified appraisal.
CAI retains ownership of all claim items once the underwriter has settled and closed them. Clients must provide the location for picking up these items and their delivery back to CAI. However, if damaged items are destroyed, clients are permitted to dispose of them.
Damaged items must not be moved to another location without CAI approval.
If the furniture is lost or stolen during transit, CAI will conduct tracing with the transportation company. CAI will begin the claim process after 10 working days if the merchandise cannot be found.
13.1. The carrier's insurance payment to the client will be deducted from the claim settlements paid.
13.2. If using FEDEX, UPS tracking number and email from the carrier stating the lost shipment cannot be found and the case is closed.
13.3. A police report is required for theft or loss.
The insured must notify CAI within 72 hours of any damage after signed delivery.
The insurance company reserves the right to inspect the furniture and the packaging at the point of origin or the final destination to verify the damage.
This insurance policy does not cover damage caused by war, riots, strikes, confiscation by authorities, or any other perils excluded by the insurance company. See the original terms and conditions exclusion list.
The insurance company reserves the right to recover the paid amount from any responsible party or carrier.
This insurance policy shall be subject to the exclusive jurisdiction of the courts in the jurisdiction where the shipment originated.
The insurance company shall indemnify and hold the policyholder harmless from any claims, damages, or liabilities arising from the loss or damage of the item during transit or shipping.
Ceasta Assurance Inc. to provide transit cargo insurance coverage.
1.1. MDP coverage for last-mile domestic deliveries only excluding Hawaii and Alaska unless specified in policy.
1.2. AIP coverage for international import shipments from manuc=facture to specified US warehouse. Excludes last-mile domestic deliveries unless specified in policy.
Maximum single item limit up to $75,000. If exceeding the maximum limit of $75,000, please call for approval.
2.1. AIP The maximum limit per any one vessel, aircraft, or conveyance at any one occurrence is $400,000.
The policy has a one-year term, effective from the binding date, and expires at 12:01 AM the following year. The premium is non-refundable if the policy is cancelled before expiration.
The policy covers international cargo import and transit for furniture, fine art, home accessories, cabinetry and cabinet accessories from the factory to the warehouse, including damage, theft, fire, or loss during transit up to the declared value.
The premium for the MDP and AIP insurance policies is calculated on the estimated value of merchandise transported.
5.1. AIP policy-holders, CAI reserves the right to review the annual insured value. If the insured value exceeds the policy's limits by more than 10%, a surcharge of $0.75 per $100 will be applied.
5.2. Client(s) are required to open an account and provide a credit card for payment at ceasta.com.
5.3. A 3.5% credit card processing fee will be applied to premium payments.
5.4. A 20% downpayment is required for all new and renewing annual policies on monthly installment plans.
5.5. Brokerage fee to be applied to all new policies.
All items must be properly blanket-wrapped, shrink-wrapped or crated before transporting, or shall remain in the original manufacturer's packaging.
During the policy period, the insurer will respond to claims for damages that occur while the items are in transit and storage.
Monthly reports are required from the previous month. For internal purposes only.
8.1. AIP policy-holders, CAI reserves the right to review the annual insured value. If the insured value exceeds the policy's limits by more than 10%, a surcharge of $0.75 per $100 will be applied.
If there is damage to any of the pieces, the preceding wrapping and transporting must be noted on the delivery order with photos. CAI is responsible for damages during transit and unpacking only. Any damaged items will be subject to restoration and/or repair evaluation from a Certified Professional Restorer. Item replacement will only be considered after the repair assessment.
9.1. AIP for import claims will be based on 7501 customs duty form(s) and manufacturer's invoice.
9.2. For all shipments involving multiple warehouses, inspection of all merchandise is required at every location before the final destination.
If Repairable:
If NOT Repairable (or theft or loss): CAI will pay the claim based on declared value or fair market value, whichever is less. (If applicable).
CAI retains ownership of all claim items once the underwriter has settled and closed them. Clients must provide the location for picking up these items and their delivery back to CAI. However, if damaged items are destroyed, clients are permitted to dispose of them. Damaged items must not be moved to another location without CAI approval.
Upon determining damage, theft, or loss, the insured must submit a claim to CAI within 72 hours after the scheduled arrival date. Submit all necessary information, documentation, and photos to support the claim. If the items have been damaged, CAI will contact the Insured to provide a damage report and necessary documentation to process the claim.
Provide any documentation of the following:
The insured must notify CAI of any damage, theft, or loss within 72 hours after the scheduled delivery date.
12.1. Lost Furniture: If the furniture is lost or stolen during transit, CAI will conduct tracing with the transportation company. After 10 working days, if the merchandise cannot be found, CAI will begin the claim process.
12.2. Theft: A police report is required.
The insurance company reserves the right to inspect the furniture/items and the packaging at the point of origin or the final destination to verify the damage.
13.1. MDP Multi-warehouse shipments require inspection reports at each warehouse before the final destination
All approved claim payments will be sent to the insured listed on the policy.
14.1. Settlements to be paid in USD currency.
14.2. AIP based on the 7501 customs form and the manufacturer’s invoice, not the resale value.
14.3. Excludes shipping expenses.
This insurance policy does not cover damage caused by war, riots, strikes, confiscation by authorities, or any other perils excluded by the insurance company. Included but not limited to the exclusions below. See the original Exclusions list under SPP.
15.1. Installation, unless specified in the policy.
15.2. AIP Domestic last-mile delivery.
15.3. MDP International, Hawaii, and Alaska, unless specified in policy.
15.4. Intentional theft or fraud.
The insurance company reserves the right to recover the paid amount from any responsible party or carrier.
This insurance policy is governed by the laws of the jurisdiction where the shipment originated. Any dispute arising from the insurance policy shall be subject to the exclusive jurisdiction of the courts of that jurisdiction.
This policy is valid for a one-year term, beginning on the binding date and expiring at 12:01 AM on the corresponding date of the following year.
18.1. Cancellation and Refund: If the policy is canceled prior to the expiration of its term and no claims have been filed, the insured may be eligible for a pro-rata refund of the unused premium, pending approval by the insurer.
