Yes, the 3rd party insurance.
I ship to my customers for a living, every day. I package the product and decided what shipping methods I will allow. I engage 20 years worth of shipping experience “best practices” to make sure the customer’s package arrives safety. If there is an issue, my customer deals with me and I either file a claim or eat it.
Why would I make my customer deal with a 3rd party if something has gone wrong in transit. They have already suffered inconvenience, delay and hassle. My job is to sell them not only a product but a good experience in the process…….