I do quilting for people. I expect them to pay for shipping because my prices are lower compared to others in my area. Some have told me they don't want insurance, some do. By posting that, I'm hoping to encourage them to want insurance and to pay for it. Frankly, I'm out the time, they are out the dollars for the quilt. Should the quilt get lost in the mail, THEY know how much they paid for the fabric. If I got insurance on the last quilt, I'd have to determine how much she paid --- did she buy the $1.99 a yard fabric or did she pay $10.99??? Right?? I DO believe that line, signed by the customer, would absolve me of any responsibility should the quilt get lost in the mail. Oh, and I would hope they would want to pay insurance for the postal both ways.