Like Xena, I mainly use Lettermail, and I have to agree that although I do 'play poker' with some issues with astonishing results, I agree that this is a very negative statement to make "Seller assumes all resposibility". I also believe that Bill's statement "I have a very good idea" is also valid in a lot of cases.
As well, "optional" should always be there and insurance inclusive is the best way, but still ultimately optional should the Buyer request it be removed.
I carry multiple items of most of what I sell and I do require, although still optional, additional insurance.
this is not a way to take the client for more $, it's just a matter of 'Self Insuring', meaning that I or the customer don't have to fight with the post office, I simply just send out another identical copy of the item, or outsource one should my stock run out & in the rare instance of one being lost. Of course the customer always has the opportunity to decline, but the instance of that is much less than 5%. In fact, almost all who emailed me about this liked it and took it. It has cut my losses down to a +.
I came up with this idea some years ago after fighting many battles with Paypal and Canada Post on other sites here & private sites/stores.
Funny thing to, I signed up for that Auctiva in August, used this method on their site to perform this same service, a month later they were sending out emails to sellers offering the same service. Coincidence?
Jeff