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Experiences With Prepaid USPS Insurance

Since we opened shop, whenever we have chosen "Carrier Insurance" with USPS, we have accompanied a blue USPS insurance form with the package, and brought the package to the retail counter for attachment of this form. Sometimes the postal workers give us a hard time and try to double-charge us for insurance.

Do we need to use the USPS insurance forms? What are other users' experiences when using USPS insurance?
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