We have an automation that adds ShipSurance to our orders, but there isn't any control for how it's applied. You can't select whether to cover the taxes or shipping costs, it's always included even though ShipStation knows what the product cost is when passed to it from Shopify. Possibly taxes can be included in a claim, I don't know.
Some couriers will allow recovering the shipping costs, but that doesn't ever come out of ShipSurance as far as we know. This would cause us to burn through the ShipStation funding much more quickly than if it only covered the products or products and taxes.
