the money comes from the fact that you could use the insurance company on your own and make 1.00 off each transaction. they are just getting it all in one place and organized for you. check out the company they use for insurance and you can see for your self how you could use it on your own...actually i was thinking of paying the insurance myself for every item sold...that way i could make 1.50 per 50.00 and the more i sell and pack and ship safely the more i would make in the long run. i mean in like 8 years i have only had maybe 15 claims...if i had been the one covering that insurance i would have made out major in the long run. just say 50 items a week at 1.50 per box should the boxes only sell for 50.00. that comes to 75.00 extra dollars per week. times that by 4 and you have made quite a bit of money. say 1 of those items were lost or broken you pay 50.00 to the buyer and you still make an extra 250 per month! that is sweet...AND that is how they are making their money!