Buying insurance from the PO is the easy part. Try making a claim to recieve compensation.
I learned that long ago when I was asked if I wanted to declare a value and get insurance on a package (I was shipping a book). I told the guy behind the counter, "A million bucks." He said he could cover that insurance, but could I
prove it was worth the million when time came to make the claim? We laughed and went on about our lives, one of us a lot smarter for the passing of a small joke.