Try to pack the item to withstand a 6 foot drop. Then you don't need or want insurance. I just received an amp kit from Chicago. One of the boxes was a week late due to shipping error. Both the boxes were dented in and I know one of them took a big drop. Bottom line is they were well packed and nothing was seriously damaged, (some thin mild steel bent 1/4 inch which I fixed in two minutes with pliers). :banana: