Well... They REALLY do not want you to sell this wine on your own. It may have great sentimental value for them ;)
The payment is for safe transport only. I believe this may be reasonable, that the payment is much lower than the insurance. After all, they give you the insurance back.
MikkeyUr: personally I pay for my home insurance too much too....
Why won't you change the company? People lose a lot in life because they let others decide in their place. You don't need permission to do something just like you don't owe anything to the insurance company. You're free to leave when you don't like how things are going. You're the master of your life, never forget that. I'll give you a hint, check
https://homeownersinsurancecover.net/ohio/, there are reviewed the best insurance companies from the US. I left a few offices when I was looking for insurance for my house just because I didn't like the conditions. "You'll not often get the best deal from the first time", my economy teacher told me that.