This is an additional insurance offered through USPS although every package is shipped priority mail and comes with $50 insurance, you can still choose this option and recieve up to $500 
If for some reason your package is lost or damaged while in transit (in possesion of usps) you are able to file a claim at usps.com 
Please keep in mind that once you are package is in the hands of usps it Mimi Sha'ar virgin hair company is no longer responsible.