Seller is responsible to get item to you, intact. yes? or no?


Is the seller responsible for packing and shipping? or not? Should the seller insist on a safe form of shipping? (and if the seller does insist, can he make the buyer pay for air, or 2-day?) or can the buyer say ship cheap (even though the seller eats the shipping fail?) ((And DOES the buyer eat the broken equipment cost?))                  
Who should be worried about insurance... the buyer? or the seller? Since it it is lost or broken, the buyer can get his/her money back. (usually)  
My 'take' is that the person AT RISK for loss is the SELLER. And the SELLER should certainly be needing the insurance. (Notice the seller is the person who has to collect insurance, NOT the buyer)... So IMO the Seller should be including the cost of insurance IN THE ASKING PRICE. Since the seller is the one 'needing' the insurance.                   
The other side is why should the buyer PAY for insurance when the seller is the one being protected by insurance?            
I have asked this before long ago, and the main answer seems to be FURY on the part of (mainly) sellers claiming they have no part in any shipping fail, that they say it is 100% on the buyer. (to which I just laugh)Where I would say the shipping packing, and burden of surety is 100% on the seller/person shipping.So what's your thoughts on it today...(like I said, I asked this years ago, and got a LOT of flack for even claiming the seller is the bad guy, and is responsible 100% of the time for the insurance and proper packing and insurance against loss.) So I thought it was a pertinent question. and wonder what all you folks think, today?

elizabeth
In response to gbryant, UPS's policy is that any package must be packed to survive a 2 1/2 foot fall onto concrete.  You obviously know why. 
As a seller I perssonally take responsibility for packaging items properly to survive shipping. All electronics are double boxed. Unit is first wrapped in bubble wrap. The first box will have a layer of 1.5" upholstery foam on the bottom. The bubble wrapped unit is placed in the box. Then more foam is fitted all the way around and on top of the unit. Any remaining voids will be filled with packing paper. I like for the second box to have at least 2" of room all the way around the first. Enough for a layer of 1.5" foam all around, and some packing paper to fill any gaps.. This is good for units up to around 50 lbs. I would increase the padding as units get heavier. Heavy duty cardboard is used for boxes! I have never had an issue with shipping damage with this method. 
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Establishing good communication between the buyer and seller very important. If they do not want to talk to you  about the product and what they fill is necessary on shipping, insurance and who pays what. What the responsibility of buyer or seller is before transaction is complete. DO NOT BUY OR SELL