Fatjer - UPS may allow you to buy the right insurance, but when they trash your goods it is doubtful that they will admit their responsibility and pay off. And if you buy your insurance at a UPS store, you aren't even the one insured, the store is, and if you packed the shipment yourself, you have no protection whatsoever, it's in their contract.
During the delay, people whose main job is to deny claims will further slow the process while they tell you that they are inspectors, lying boldly to you and then lying about what they found in court. The UPS sleaze factor is just too high to risk ones quality goods with. They aren't in bed with the devil they're behind you and you're bent over.