diff --git a/WeMini/Insurance.php b/WeMini/Insurance.php
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+++ b/WeMini/Insurance.php
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+<?php
+
+// +----------------------------------------------------------------------
+// | WeChatDeveloper
+// +----------------------------------------------------------------------
+// | 版权所有 2014~2024 ThinkAdmin [ thinkadmin.top ]
+// +----------------------------------------------------------------------
+// | 官方网站: https://thinkadmin.top
+// +----------------------------------------------------------------------
+// | 开源协议 ( https://mit-license.org )
+// | 免责声明 ( https://thinkadmin.top/disclaimer )
+// +----------------------------------------------------------------------
+// | gitee 代码仓库：https://gitee.com/zoujingli/WeChatDeveloper
+// | github 代码仓库：https://github.com/zoujingli/WeChatDeveloper
+// +----------------------------------------------------------------------
+
+namespace WeMini;
+
+use WeChat\Contracts\BasicWeChat;
+
+/**
+ * 小程序运费险
+ * Class Insurance
+ * @package WeMini
+ */
+class Insurance extends BasicWeChat
+{
+
+    /**
+     * 开通无忧退货接口
+     * @return array
+     * @throws \WeChat\Exceptions\InvalidResponseException
+     * @throws \WeChat\Exceptions\LocalCacheException
+     */
+    public function open()
+    {
+        $url = 'https://api.weixin.qq.com/wxa/business/insurance_freight/open?access_token=ACCESS_TOKEN';
+        return $this->callPostApi($url, [], true);
+    }
+
+    /**
+     * 查询开通状态接口
+     * @param array $data
+     * @return array
+     * @throws \WeChat\Exceptions\InvalidResponseException
+     * @throws \WeChat\Exceptions\LocalCacheException
+     */
+    public function queryOpen()
+    {
+        $url = 'https://api.weixin.qq.com/wxa/business/insurance_freight/query_open?access_token=ACCESS_TOKEN';
+        return $this->callPostApi($url, [], true);
+    }
+
+    /**
+     * 投保接口(发货时投保)
+     * @param array $data
+     * @return array
+     * @throws \WeChat\Exceptions\InvalidResponseException
+     * @throws \WeChat\Exceptions\LocalCacheException
+     */
+    public function createOrder($data)
+    {
+        $url = 'https://api.weixin.qq.com/wxa/business/insurance_freight/createorder?access_token=ACCESS_TOKEN';
+        return $this->callPostApi($url, $data, true);
+    }
+
+    /**
+     * 理赔接口 (收到用户退货后再触发)
+     * @param array $data
+     * @return array
+     * @throws \WeChat\Exceptions\InvalidResponseException
+     * @throws \WeChat\Exceptions\LocalCacheException
+     */
+    public function claim($data)
+    {
+        $url = 'https://api.weixin.qq.com/wxa/business/insurance_freight/claim?access_token=ACCESS_TOKEN';
+        return $this->callPostApi($url, $data, true);
+    }
+
+    /**
+     * 申请充值订单号接口 (支持自定义金额)
+     * @param array $data
+     * @return array
+     * @throws \WeChat\Exceptions\InvalidResponseException
+     * @throws \WeChat\Exceptions\LocalCacheException
+     */
+    public function createChargeId($data)
+    {
+        $url = 'https://api.weixin.qq.com/wxa/business/insurance_freight/createchargeid?access_token=ACCESS_TOKEN';
+        return $this->callPostApi($url, $data, true);
+    }
+
+    /**
+     * 申请支付接口
+     * @param array $data
+     * @return array
+     * @throws \WeChat\Exceptions\InvalidResponseException
+     * @throws \WeChat\Exceptions\LocalCacheException
+     */
+    public function applyPay($data)
+    {
+        $url = 'https://api.weixin.qq.com/wxa/business/insurance_freight/applypay?access_token=ACCESS_TOKEN';
+        return $this->callPostApi($url, $data, true);
+    }
+
+    /**
+     * 拉取充值订单信息接口
+     * @param array $data
+     * @return array
+     * @throws \WeChat\Exceptions\InvalidResponseException
+     * @throws \WeChat\Exceptions\LocalCacheException
+     */
+    public function getPayOrderList($data)
+    {
+        $url = 'https://api.weixin.qq.com/wxa/business/insurance_freight/getpayorderlist?access_token=ACCESS_TOKEN';
+        return $this->callPostApi($url, $data, true);
+    }
+
+
+    /**
+     * 退款接口
+     * @param array $data
+     * @return array
+     * @throws \WeChat\Exceptions\InvalidResponseException
+     * @throws \WeChat\Exceptions\LocalCacheException
+     */
+    public function refund($data)
+    {
+        $url = 'https://api.weixin.qq.com/wxa/business/insurance_freight/refund?access_token=ACCESS_TOKEN';
+        return $this->callPostApi($url, $data, true);
+    }
+
+    /**
+     * 拉取摘要接口 (查询当前保费、投保单量、理赔单量、账号余额等信息)
+     * @param array $data
+     * @return array
+     * @throws \WeChat\Exceptions\InvalidResponseException
+     * @throws \WeChat\Exceptions\LocalCacheException
+     */
+    public function getSummary($data)
+    {
+        $url = 'https://api.weixin.qq.com/wxa/business/insurance_freight/getsummary?access_token=ACCESS_TOKEN';
+        return $this->callPostApi($url, $data, true);
+    }
+
+    /**
+     * 拉取保单信息接口
+     * @param array $data
+     * @return array
+     * @throws \WeChat\Exceptions\InvalidResponseException
+     * @throws \WeChat\Exceptions\LocalCacheException
+     */
+    public function getOrderList($data)
+    {
+        $url = 'https://api.weixin.qq.com/wxa/business/insurance_freight/getorderlist?access_token=ACCESS_TOKEN';
+        return $this->callPostApi($url, $data, true);
+    }
+
+    /**
+     * 设置告警余额接口
+     * @param array $data
+     * @return array
+     * @throws \WeChat\Exceptions\InvalidResponseException
+     * @throws \WeChat\Exceptions\LocalCacheException
+     */
+    public function updateNotifyFunds($data)
+    {
+        $url = 'https://api.weixin.qq.com/wxa/business/insurance_freight/update_notify_funds?access_token=ACCESS_TOKEN';
+        return $this->callPostApi($url, $data, true);
+    }
+
+    /**
+     * 创建退货 ID
+     * @param array $data
+     * @return array
+     * @throws \WeChat\Exceptions\InvalidResponseException
+     * @throws \WeChat\Exceptions\LocalCacheException
+     */
+    public function returnAdd($data)
+    {
+        $url = 'https://api.weixin.qq.com/cgi-bin/express/delivery/no_worry_return/add?access_token=ACCESS_TOKEN';
+        return $this->callPostApi($url, $data, true);
+    }
+
+    /**
+     * 查询退货 ID 状态
+     * @param array $data
+     * @return array
+     * @throws \WeChat\Exceptions\InvalidResponseException
+     * @throws \WeChat\Exceptions\LocalCacheException
+     */
+    public function returnGet($data)
+    {
+        $url = 'https://api.weixin.qq.com/cgi-bin/express/delivery/no_worry_return/get?access_token=ACCESS_TOKEN';
+        return $this->callPostApi($url, $data, true);
+    }
+
+    /**
+     * 查解绑退货 ID
+     * @param array $data
+     * @return array
+     * @throws \WeChat\Exceptions\InvalidResponseException
+     * @throws \WeChat\Exceptions\LocalCacheException
+     */
+    public function returnUbind($data)
+    {
+        $url = 'https://api.weixin.qq.com/cgi-bin/express/delivery/no_worry_return/unbind?access_token=ACCESS_TOKEN';
+        return $this->callPostApi($url, $data, true);
+    }
+}
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