If there is an amount that you would be willing to take as a hit, maybe only require insurance over a certain purchase price but yes just require it. And if a customer doesn’t buy it, well that’s a them problem. Maybe this customer has never had an issue before , but I regularly don’t receive packages and I pay for insurance when offered every time no matter how much I spent. If I didn’t then I know to expect taking a loss if and when my package doesn’t get delivered.