Hi Jo!
wow congrats on making the jump to working for yourself- I must confess, I still havent convinced myself that Im steady enough to do that just yet, and I admire all who are.
As far as shipping is concerned, lay out your policy in your shop policies and follow it, you can even put a blurb in each listing to be sure. In my case, on my listings the cheapest general shipping option is listed- this is also the slowest and uninsured. I remind my clients of this when I shoot them a brief message confirming and thanking them for thier order, its at this point that I have thier address and I can check to get more accurate quotes that include insureance and maybe a speedier shipping time, I give them several price options (ie regualr parcel, express post, next day priority), I am also careful to advise them that I am not responcible for thier order once it leaves my studio and if they dont want to spring for faster shipping or insureance thats fine, but its thier risk not mine. Then should anything happen, its a doccumented conversation where they refused the insureance not I.
As far as cost, I have found that purchasing my shipping labels through paypal is FAR cheaper than going to the post office and farting around in a mile long line up to do the same thing. This way I just package it up, stick the shipping label I printed on there and drop it with the local post office, I ship several boxes a week and this is the simplest way I have found so far. (I have also come to dislike FedEx and UPS, while im still not a huge advocate for canada post, they are reliable).
I hope this helps, please don't hesitate to get in touch if you have other questions!!
Cheers,
Nikki