I doubt that Doc is actually here to scam anyone, but the way the post is worded like that is a bit too shady for my tastes. No guarantees or insurance offered with a $200+ light isn't going to get a warm reception IMO.
I'd insist on insurance. I do on all my large purchases. I'm happy to pay the few dollars extra. And Delivery Conf is usually only $1 more when mailing USPS Priority. Inrurance not much more than that