> 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:<br>

* **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.<br>

You can switch between plan types at any time using the **Choose protection type** button.<br>

<figure><img src="/files/jdImOnIRa3qfrPSyBuIM" alt=""><figcaption></figcaption></figure>

### 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.<br>

**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.<br>

<figure><img src="/files/OlFoh3e8bNW7wlMrqL5G" alt=""><figcaption></figcaption></figure>

### 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.<br>

**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)`&#x20;

<figure><img src="/files/q7S7maYKoIzLqzZjjB9r" alt=""><figcaption></figcaption></figure>

### 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.