^ well not only that, its part of the cost of doing biz. thats why it ticks me off when people tell me that they can get this and that for only $"X". well go ahead. most of us do this as a business. we have to not only factor in overhead and profit, but also losses and write-offs......
As for insurance, i asked about it one time and the person on the phone had no idea... $.5 per 100 bucks eh, thats DEFINITELY worth it i'll inquire about it