The insurance and handling fee is separate from your regular shipping fee. It covers the cost of insuring the package, and all the steps required to have your order delivered to your doorstep.
We are able to offer free shipping for all exchanges (which most of our competitors do not offer) and tax-free online shopping (excluding MI & WI). We are also able to provide tracking information, which is available from the time your order leaves our warehouse, until it reaches your doorstep. Offering the peace of mind that ensures you will receive your order, and it will reship if any shipping problems arise.