The handling charges are intended to compensate Now and Then Galleria LLC for the cost of processing your order, handling and packing the products you purchase and transferring possession to the shipping company you choose. All orders are insured. This is because once your package leaves our hands it becomes the responsibility of the shipper to deliver your package safely and in a timely manner. If for some reason your order does not arrive safely you will need to contact the shipping company directly to file a claim. Please notify us as well so we may be aware of the issue experienced and further assist as needed.