I am not a business.
Example
I bought 300$ worth of bullets from Xreload that were damaged and lost in the mail. They made a claim to Canada Post.
They offered to refund my purchase or ship me another batch of bullets.
As a purchaser, it wasn't in my control or my risk. And I wasn't asked by them about insurance, and I didn't request it.
But you, the buyer, most certainly paid for it.




















































