United States Postal Service Informative - How And When To Use Insurance
I worked for the Postal Service for 7 years and left before going completely mad. Line employees (the ones that handle or managed the handling of the mail) have such a hard time that "Going Postal" became part of the american lexicon.
Packages and mail have to be sorted and delivered in time and I had supervisors who explicitly told us to throw them. It takes much longer to carry a package to its place than it takes to throw them. Worse than that, it was commonplace for employees to throw packages as hard as possible when they were upset. I have seen packages kicked out of the building, through a window.
Having said that, if you decide to buy insurance for your package, have these points in mind:
1 - Unless you have the original receipt for the product, your insurance claim will not even be considered.
2 - If the product broke, but there is no visible, obvious damage to the box, you will have a very hard time (practically impossible) getting your insurance claim. i.e. - When I quit the Post Office, I moved and shipped a lot of my stuff. One of the things was a subwoofer (too heavy for the airplane). The subwoofer arrived with its speaker cone ripped off the box. It was obvious that the package had been thrown, but landed flat on its side. Not enough to cause any damage to the box, but more than enough to destroy the speaker. I never got my money back.
3 - If it is a used electronic product, unless you are selling it, they will take the price of the item from the original receipt and devalue it according to some obscure formula that I have never seen.
- All insurance claims are processed at the Distribution Center level, not your local delivery office -
4 - One of my supervisors explicitly told us to stamp any box that was damaged (either by our office or coming from the distribution center) with a "received damaged" stamp. In a sneer he explained that this would reduce the number of insurance claims our particular station was getting (this particular supervisor wanted to make a name for himself, by reducing the hours. So he actually told us to throw things harder and faster, or he would short staff us and force the remainder of the workers sorting to work faster -by throwing the packages -). The result was that too many insurance claims were being filed, and that also looks bad for the station.
So, use insurance with care. It is not always worth it. Rather, you should get a bigger box and properly package it. Many customers who sold expensive goods and shipped through us used gravity packs inside their boxes (if the g-force exceeds a certain number, you are able to find out and prove it even if there is no damage to the box.
Of course, this can become expensive and not worth it.