I just installed the UPSXML from the standard UPS version that was not calculating insurance. I have a lot of high value items on my site and we were losing that money on transactions.

The rates seem to be calculating fine as long as you are logged in. If you are not logged in, the rates show as stanard rates without insurance. I could not find any settings that would affect this. I am worried about potential customers checking the estimated shipping rates and then when they sign up the cost is drastically different.

Site is v1.5.5f
upsxml is 1.7.5