I just thought I'd share my experience I had. I ordered 4 actinics t5h0 for a fellow reefer that works in the same building. I got the lamps in good condition, I bring them to work. In the entrance, there is a tourniquet door(I'm not sure this is how you say it, please correct me if I'm wrong), I went in and forgeting about the lamps, about 4 inches was sticking out and the door smashed all 4. That was a bad day...

So I called mastercard (the canadian tire card) I have added insurance for the last couple of years on everything I buy. This adds up to 1 year of warranty they also cover for loss and damages. All this for 4,60$ a month.
I got my check this week to cover for the mishap I had. Just to say that I'm happy with it.