I thought insurance was if the toy got damaged in transit? I dunno.
HLJ are cumquaffers, I lost about $200 USD to them. Never got an item.
These toys would be cheaper if you could cut out the middle man, but you know how it is with this licensing thing...
I wonder how big Yamato is as a company now anyway? Big threat to Bandai? Probably not, but I hope they are growing well.