How necessaary is insurance?

In my dealings as a seller, I feel a responsibility to
assure the buyer receives the items they have
purchased.  Thus, when I ship small orders to Europe,
without insurance, I am providing a service at less
expense to the buyer, but I am taking the risk.  Not a
big risk to the UK and to a good deal of Europe.  But
I have lost a good many orders and these are total
losses.  Not a big deal as I sell as a service and
don't depend on profits.

But, many sellers do not want to absorb this
responsibility and thus I turn your question around.
If a seller doesn't insure and you don't receive the
items you had paid for and you take the total loss,
does this bother you.  That is, is insurance really
necessary.

My point is, the neccesity of insurance depends on
which foot the shoe is on.

I have found that buyers want their stuff, and as I
say, I absorb this responsibility.  But many sellers
do not, and they insist on insurance.

Best wishes.

Peter H Anderson, http://www.phanderson.com

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