Express is exactly what the word means, it gets to you faster. Insurance and such, just ask them to but since its from a business, I would "assume" they would automatically insure anything over $x.
"Hey I'm the first one to say its a great country but its a straaaaange culture. This is a place where gun store owners are given a list of stolen credit cards but not a list of CRIMINALS and MANIACS. And now they're thinking of banning toy guns...AND THEY'RE GONNA KEEP THE F**KING REAL ONES!"
-George Carlin 1937 - 2008 (RIP buddy)