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I had a customer recently demand a certain type of insurance not normally required in my business after I'd set my price before they'd place the order. I told them I'd have to price it and they'd then have to pay for it. They seemed shocked that I wanted "them to pay for my insurance". Morons.

The only reason they think they aren't paying for the other vendors insurance is that (1) those guys are in a business where it's required, so they already have it and know to figure the cost in their quotes before they deliver the quote, and (2) those guys are in businesses where it's required, so they can spread the cost over all the customers. That's what I told them. First, I can't go back and spread this over all the other customers and even if I could it wouldn't be fair, because they're not the ones making me buy it, AND, what income is it that you think these other vendors have that would allow them to buy the insurance without getting the money from their customers such as yourself?