When calculating insurance, the order total is used. But in some cases, like in the case of having a coupon, a discount is applied to the order total and then the shipping insurance charge is reduced.

The product(s) you are selling are still worth the same amount of money, so you want the insurance to be calculated off of the order subtotal + the ship charge, not just the order total which is possibly reduced.

Included is a simple install text to fix this problem.

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