[Leon]

I have a different view of insurance. In my auction business I have CIA coverage on everything. It's just what ya' do in the business to have that "warm fuzzy". It's an easy decision.

On my personal trades and sales (as I cross my fingers) I rarely buy insurance. I always get DC or Sig Confirmation but that is it. So far, in 14'ish yrs I have 'eaten' one large item. It sucked and it was totally crazy on my part. I should have sent it overnight as is my policy and it would have been fine. I am a firm believer in DC or Sig Conf on everything though. Insurance is usually at the request of the other party and I am happy to oblige if they want to pay for it.

On our BST, if nothing at all is said, then both parties really have the onus of getting their part of the deal to the other party. So, if you send something and doesn't get to the other party, and no insurance was talked about, then it's on you. Just my opinion.