The insurance is to protect the shipper, not the person that buys the knife. I would never ship a knife without it. I've had them lost before and I had to file claim and I had to get my money back and I had to reimburse the buyer. Why? Because it was my knife and I was the one sending it, it didn't become the buyer's knife until it was delivered. All that trying to hang delivery responsibility on the buyer is a load of crap. It's not the buyer's responsibility it's the sellers, like it or not. And yes if you don't feel comfortable shipping a knife to anybody, or anyplace that is your call too. The only exception to this is when sending a knife overseas and insurance is too expensive, or unobtainable and the buyer does agree to take the risk, rather than to not have it sent. Otherwise, spend the few dollars extra and protect yourself, as it's still your knife until it's delivered.