Much appreciate everyone's input on my *disclaimer.*
At the same time, I would appreciate it if comments are directed to me over a PM (some have already) instead of trashing a sales thread.
With that said, my disclaimer doesn't say anything about insurance. It is meant to communicate to the buyer of my capacity as a seller, regardless of insurance. Once an interested party have contacted me, I have worked out a deal with them numerous times over the years. I have worked out good terms with the buyer/seller even in the events of mishaps (such as lost packages or damages, albeit rare), and I think my ratings reflect that.
Thank you again.