packages stuck in postal system

2 packages stuck in postal system how long before I can claim insurance. Do I have to return money to buyer before I receive the insurance.Getting afraid to sell anything

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Allow the Buyer to contact you for an Item not Received before you do anything.  Patience is the key, now with covid-19 & the Christmas rush hitting Canada Post at the same time. Canada Post is swamped & most likely have hired seasonal workers who have less experience, thus more mistakes in sorting & delivery. I have a parcel coming from EMS Japan which normally ships in 5 days, it's been now 3 weeks. The parcel showed Item Processed Mississauga Nov. 30, Out for Delivery Montreal, today. Actually it was Out for Delivery yesterday & it didn't get delivered.  Personally, I won't sell anything else until mid January.