In the few instances I needed to file a claim, there was never a problem. Prompt settlement, and you can usually track the package unlike USPS which may not change for days. I have NEVER been told by UPS to buy third party insurance. Been the buyer on USPS shipped packages before that never made...
"Its worth a few bucks for the piece of mind in my book. "
What would you pay to have negative or even neutral Heat removed? How much does it cost to restore your reputation? What is a few $$'s to CYA?
I almost always use UPS, insurance ($100) is included and tracking is generally much...