Dear Lord... :unsure
I may be a relatively new member here (in terms of actually posting, anyway), but being a member of three or four other prop boards I've noticed these sort of threads catching like wildfire lately all over the bloody place. It's like a growing epidemic of sorts... don't know why *sigh*.
Primarily, I've always been more for building/collecting props myself, although I have dabbled a little in selling props. Granted, the items I've sold for the most part were one-offs -- spares/doubles of props I had in my own collection -- but regardless of the price/value of the piece(s) I've never been one to offer insurance and as such have never had any problems with those items getting to thier prospective buyers.
There was a short run of accurized 23C handles I did a while back, maybe a dozen or so, and even with a few extras on hand never had the need to provide any "above and beyond" customer service by mailing out replacements to anyone.
I won't say that sometimes the items I've sold took an eon or two to finally get to the buyer (in one case, it took almost TWO MONTHS for one package to get to the guy, and he was only down in the US). It's a given that the USPS -- and comparably, Canada Post -- isn't entirely reliable in properly tracking parcels or even getting them to where they need to go. That's just a fact of life when it comes to the Postal Service.
You can't always count on it to be 100% dependable. And, if you don't bother to put insurance on a prop item when it's shipped, then you run the risk of something happening to it and never being able to find out what. Essentially, you're shooting yourself in the foot if you don't pay that little extra to guarantee its safe arrival. If you don't, that's your choice. Can't blame anyone else for that.
Regardless of whether it's something offered upfront by the seller, or requested by the buyer, it's ultimately up to the discretion of the BUYER whether or not to have that little bit of added security. I for one have rarely ever asked for or paid for insurance on any item I've bought online, and am well aware that should it go missing it was my own damn fault for not doing so. A seller is not obligated to include insurance on all purchases.
Having been a seller, I can confidently say that as I know how the whole process works, and also having been a buyer I understand and accept that.
Of the customers I've dealt with that wanted additional insurance on thier packages, they always requested it right at the beginning of the transaction. As it's an "optional" feature/service, one doesn't necessarily have to state it as it should be a well-known fact that it's available. I have never had to offer insurance to those who wanted it; it was pretty much common sense to them to ask me about it. Nothing at all hard to do that, imho. If you're that worried about an item arriving at your doorstep, then just ask about insurance.
C'mon now... the way I see it, it's pretty much a no-brainer.
I personally don't see why ALL the responsibility of the transaction has to fall on the seller. To me, the buyer has just as much a stake in ensuring the transaction goes smoothly. That includes being prompt with payment, selecting which shipping method and adding on insurance if the buyer requests it. Looking at it in that way, the seller is doing nothing more than abiding by the buyer's wishes. He/she is not making those choices for the buyer, the buyer is, and the seller is simply following through on those actions.
I've always made it my business practice to inform the customer(s) when the package has shipped out, provide tracking info if there is any (all of the buyers I've dealt with who had insurance on thier items requested it outright on thier own, as they know I don't usually offer it), and do regular follow-ups with them to find out when they received the package.
To that end, I've adhered to my responsibilities as a seller. But, again, as most of the pieces I've sold are one-offs (with no way of me being able to produce more of them) there would be no way I could replace the item if lost. In that case, I either offer a full refund or do some online research to possibly find a similar item at about the same cost. I don't have to do the latter, but figure it's only a little time taken out of my day to try and accommodate the buyer in helping them get what they paid for.
My method of selling and the type of items I've offered are somewhat different than in the case illustrated here, but both as a seller and a buyer I've rarely had any major issues on either end of it. Packages I've either sent out or waited to receive, although somewhat delayed in arrival sometimes, have ALWAYS gotten to where they needed to go to. Guess I'm lucky in that respect, as I haven't had to go through a situation such as this yet.
I don't know if my long-winded thread made any sense to anyone here, lol (still trying to wake up off that one cup of morning coffee I've had), but I hope it helps to put things in perspective a little.
Anyway... in my mind, it's not so much a matter of responsibility to one's customers but more a matter of common courtesy to one's fellow hobbyists. Everyone has different business practices they abide by, and some will agree with those practices while others won't. That's just my take on this... :rolleyes
P.S., I personally don't think this is the appropriate venue in which to discuss this issue. If necessary, please take it to PM's or e-mails (between the parties involved, and perhaps the Admin/Mod group as well to help mediate). Either that, or do as has been done on other boards; set up a "Traders List" or "Buyer's Feedback List" in the JY forum. If it's absolutely necessary to discuss this publicly, then we should try to make an effort to keep it isolated in just one area of the board, and not have it spilling out into others...