We ship perishables (cheese) in styrofoam coolers. When we have a damage claim, what usually happens is that the cooler is broken or even smashed completely, an

We ship perishables (cheese) in styrofoam coolers. When we have a damage claim, what usually happens is that the cooler is broken or even smashed completely, and the cheese got too warm and separated. And then UPS won't pay out a claim, since they don't cover perishables, even when it's their fault for smashing the cooler. So we started self-insuring at $3 per order, plus we've learned how to package the cheese in the cooler better so it's less likely to break. And as I mentioned it's very rare now to get a damaged one.