This is a protection fee against damages to your packages. If a customer receives a damaged package, we will be replacing that item for you with no other costs as long as it is reported to us within 7 days. 

The insurance also covers defective returns. In a situation where an item returns to our warehouse and it is defective, If you have a new customer with an order of the same item, We will fulfill your order for the new customer who orders the same item but we will not be using the defective returned item. 

The insurance guarantees that OJMD will ship your new order with a fully functional item, In this case, there will be no product cost charges. – This is applicable for RTS items