Jun 29 2008
When to Get Postal Insurance
So, when is insurance actually necessary? When it’s cost effective to get it. That includes expensive items or extremely fragile items.
It is incorrect to assume that insurance on an expensive or fragile item is there to protect the buyer from loss or damage. It isn’t. Insurance is for the benefit of the seller. You are legally responsible for getting the package to the buyer. It doesn’t matter whether they bought insurance or they didn’t.
If there is a problem, the seller is the one who has to try to get the insurance to pay- not the buyer. This makes it important for sellers to get insurance on expensive items whether the buyer wants it or not.
I see a lot of disclaimers on listings that state something like “I’m not responsible for uninsured packages” or “Not responsible for your item once it’s been mailed.” In reality, the seller is 100 percent responsible.
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