Insurance from the carrier is never a good deal risk coverage or cost. Insurance sales high profit item with carriers. All larger shippers carry separate policy's to cover loss. Today most transport covers multiple modes different owners , truck to air or rail back to truck and owned by 3rd parties not the carrier you left the parcel with. Something goes wrong getting paid is not easy. UPS may pay you, after they settle the claim with the railroad or truck who lost the package.
Exception is USPS, multiple modes, the same as private carriers, loss payment much better. And stealing from the Post Office is a federal offense aggressively prosecuted. No matter who you ship with best defense is good packing.
William
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