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Calculated Shipping includes Insurance?

Hi, I am a longtime Ebay seller, but new to Auctiva.
One of the nice things about Ebay's calculated shipping is that it includes my mandatory insurance cost (USPS) based on the current price of the auction.
I have signed up for Auctiva's Insurance program. I suspect that the calculated shipping charges shown do not include insurance. I tell my customers that insurance is required but it is included in the calculated shipping. They may be upset if they have to pay an additional charge after the auction.
Does the calulated shipping include Auctiva insurance?
If not, how can I fix this so my customers know in advance what the shipping charges will be?
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