> For the complete documentation index, see [llms.txt](https://script-and-theory.gitbook.io/order-armor-shipping-protection-docs/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://script-and-theory.gitbook.io/order-armor-shipping-protection-docs/protection-plans.md).
# Protection plans
The **Protection Plans** module allows merchants to define how insurance fees are calculated for customer orders. You can choose between **Fixed** and **Percentage**-based protection plans to suit your pricing strategy.
### Step 1: Choose a Plan Type
Upon opening the **Protection Plans** section, you’ll be prompted to choose between two pricing models:
* **Fixed**: Use this if you want to charge a set insurance fee based on cart value ranges.
* **Percent**: Use this if you want to charge a percentage base rule.
You can switch between plan types at any time using the **Choose protection type** button.
### Fixed Protection Plans
The **Fixed** option lets you define flat-rate fees for specific cart value ranges. This is ideal for stores that want predictable pricing for shipping protection.
**Fixed Plan Table Overview:**
| Field | Description |
| ------------------------------ | ------------------------------------------ |
| **Protection plan name** | The cart value range this plan covers. |
| **Protection amount** | Flat fee charged to the customer. |
| **Cart min price / max price** | Range of cart values this plan applies to. |
| **Created date** | Date when the plan was created. |
| **Actions** | Edit or delete individual plans. |
#### **Creating a Fixed Protection Plan:**
1. Click **Create Insurance Plan**.
2. Enter details like the cart value range and protection amount.
3. Save the plan. It will appear in the table.
### Percentage-Based Protection Plans
The **Percent** model dynamically calculates the insurance fee based on a percentage of the order total, giving more flexibility for variable cart values.
**Fields to Configure:**
| Field | Description |
| ------------------ | --------------------------------------------- |
| **Default fee** | A base amount that will be charged initially. |
| **Percentage fee** | The percentage applied to the cart total. |
> **How It Works**:\
> Protection fees increase in steps of **$0.50**, starting from the **Default Fee**, up to a maximum of:\
> `Default Fee + (98 * Percentage Fee * 0.50)`
### Managing Plans
* Click **Edit** next to any plan to update details.
* Click **Delete** to remove a plan.
* You can maintain multiple fixed plans with varying price ranges, but only one percentage-based rule can be active at a time.
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