I am of the opinion that if I sell someone something it is my responsibility to get them what they paid for. I always include the insurance and it is figured into my asking price.
Anytime I sell an item I pay shipping and insurance and clearly state it in my ad. If there is a claim issue the claim can only be filed by the shipper.
I have been bit a couple of times by not stating that shipping only applies to the lower 48 and if shipping to Hawaii or Alaska that the shipping may have to be negotiated so that I do not end up eating too much of the cost of shipping.
drover
