I never carried insurance since it was just a hobby for me. Last year, I was leaving a show and packed up then went to get my truck and get loaded. Whan I got my truck back to were I had left my stuff, I found 2 large crates of pens missing. It seemed that another vendor was using the same crates and accidently loaded mine with theirs. Luckily they were honest and called me when they got home and found the error. They met me halfway(about200 miles each) and I was so happy I bought us all a nice lunch(nice couple)and started to clearly mark my crates from then on.I have been carrying it since and haven't needed it thankfully, but better safe than searching for your pens and cursing a blue streak.