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<p>[QUOTE=&quot;gmarguli, post: 180409, member: 246&quot;]I am a seller that uses &quot;independent insurance&quot; and I&#039;m not sure why this should bother you. I use it based on cost and convenience. You - the buyer - benefit from this.</p><p><br /></p><p>The insurance rates I pay are significantly less than the Post Office charges. The PO charges $1.35 for $50 insurance and $2.30 for $100. The &quot;independent insurance&quot; costs about 1/3 as much. Savings are passed along to you.</p><p><br /></p><p>I used to charge actual PO rates to the buyers who wanted insurance. Now I bundle the much lower cost of it into the S&amp;H. You benefit from every package being insured and not indirectly paying for &quot;vanishing packages&quot;.</p><p><br /></p><p>I also do not need to stand in line at the PO or&nbsp; fill out a bunch of insurance forms. This allows me to get the packages shipped much faster. Therefore, less cost of handling t the buyer. </p><p><br /></p><p>If someone advertises using a private insurance carrier, I suggest you ask them which one. I&#039;m happy to provide my buyers with the name of my company and my policy number.[/QUOTE]</p><p><br /></p>

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