Through all of this, I was happy to communicate with you, but it quickly became obvious you were attempting to bully us into replacing the cost of your items out-of-pocket with the attitude that it was an obligation, as opposed to a kindness.
I'm sorry, but I also think it is your obligation. I agree with those who say that the insurance contract was between you and the insurer, not between your client and the insurer. Unless of course you made it quite explicit to be the other way around in your ToS. But I don't think doing so is a wise customer policy, and as somebody said above, it's likely to be considered illegal by the US gov.
The insurance industry is wrought with fraudulent insurance claims, and many millions if not billions of dollars per year are lost by underwriters to fraudulent claims.
How come? Isn't the receiver obliged to sign a proof of receipt to retrieve his package?
While we generally have great success with insuring our parcels(you are our only rejected claim, in fact, throughout the entire history of insuring thousands of individual parcels at Coinabul)
That's just one more reason to eat this particular loss. You can dilute it on your other earnings.
The insurance policy has everything to do with you: you are the one who stands to benefit from a fraudulent claim, nobody else.
How?
Summary of my opinion: Coinabul should reimburse its customer, and perhaps change its insurer if the current one really refuses to do his part. Eventually even sue the insurer, if the amount makes it worthy to.