I'm pretty sure that even with your disclaimer that the buyer is responsible or assumes the risk that it doesn't change anything legally. According to the USPS sellers are responsible for goods. That being said I guess you could always just say it wasn't a sale since it was friends and family payment. Personally I wouldn't buy from someone who puts something like this in their ad simply because I've had too many poorly packaged goods and your "disclaimer" would be a red flag to me. I think with a reputable buyer and a reputable seller you should stand behind your sales and purchases.Because I did my sample sets via first class mail to keep the price as low as possible, I did have a policy of "Buyer assumes risk once postal service has custody of parcel. If buyer wishes to add tracking, please add $3.50 to include Certified Mail service. I will gladly provide the tracking number after purchasing postage." clearly stated in my ad.
Thankfully, other than a delay due to under-posting one of the shipments (which I took responsibility for), everything went off just fine .
I am fine giving buyers the option to use G & S if they cover, I take no offense at that. I get using G & S has tax implications for sellers at a certain level that I am nowhere near, which is often another reason sellers prefer F & F.
Off topic slightly but as far as insurance. I've been told several times from several sources that insurance won't cover poker chips lost or damaged. Is that true? I've heard conflicting stories as to why, so if anyone does know if this is true and why I'd love to know specifics.