Having said all that now about minimum requirements

... if somebody asked what I believe is best practice for successful remote sale product delivery then.....

I believe best practice is for sellers to offer and provide a service that is at least commensurate to the item's cost and percieved security risk regardless of the buyers freight predeliction rather than relying on a policy from a third party payment provider company for seller "insurance" so that the buyer is afforded the greatest probability of successful product delivery while also in the case of non delivery  having some form of freight insurance regardless of the payment type.

ie.

for more expensive products (over $100) only offer them with insurance and SOD,

for less expensive products  AP discretionally offer $50 compensation for regular post if delivery is not proven or damage is admitted on a deemed adequately packaged product.