I have installed the Optional Shipping Insurance Module onto my Zen Cart and am curious as to how to handle this situation:
I intend on using USPS, UPS, & FedEx as my shipping methods and have noticed that UPS & FedEX do not offer insurance but increased libility based on declared value.

Both of these companies offer libility up to $100.00 after which the service price is increased base on declared value.

How do I deal with this "free" service up to $100.00 when the module is tacking on the table rate ($1.70) which is the insurance rate for the USPS for items up to $100.00.

Am i missing somthing in the module?