Shipper is responsible for insurance:Discussion

Over on AA in the vinyl section, we had a lively discussion of who is responsible for insurance, and why. My (RANT) take on this,(backed up by the laws about this) is that the shipper is soley responsible.
The buyer has a right to expect the goods delivered exactly as advertised, or, he has a right to reject them. If the goods are broken in shipment, the SELLER must be the claimant, as HE paid for the insurance, and did the packing.
Why so many sellers try to weasle out of responsibility is curious to me. Laziness? Because they can get away with it?
My stance is that (even if the seller includes the cost of the insurance in the selling/shipping/handling cost) the shipper is soley responsible for the goods arriving in the condition claimed in the advertisement.
Many folks feel that by issuing a disclaimer as seller, they are no longer responsible. I say they ARE STILL RESPONSIBLE, and should act accordingly.
No more "it ins't my (seller's) fault blah blah blah, it IS the sellers responsibility!!! and if the stuff is trashed, it belongs to the seller, and a refund is promptly due the buyer, as the seller failed to deliver what he promised.
If this issue could be clarified, I think it would benefit all the buyers and sellers.
Any comments?