This may sound rational—why not pay more to protect the more valuable object?—until you realize that the insurance doesn’t protect the clock, it just pays if the clock is lost, and pays exactly the same amount for either clock. (And yes, it was stated that the insurance was with an outside company, so it gives no special motive to the movers.)
There’s always the hope that, if enough customers pay the outside company enough, it’ll be zealous and make the movers an offer they can’t refuse.
There’s always the hope that, if enough customers pay the outside company enough, it’ll be zealous and make the movers an offer they can’t refuse.