But it is a feature, just store owner instead of customer configured. Always on or always off.
There is the possibility and it would be a pain, that you ask customers to leave a note to exclude insurance and then you figure out what that associated cost is and refund it. Doesn't look good, would be burdensome, and could always make a mistake in doing it, but you could also tout that you are providing a service to ensure that the product(s) arrive in quality shape, or some other statement. There might also be some configurable options in the file through coding, but yes there are some complicated aspects to the whole thing. At least it's available in some regards.



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