This is one of about two dozen "multiple baby" postcards I have available. During the Golden Age of Postcards at the turn of the century, this was a popular theme, all the more to be appreciated considering how labor intensive all the cutting and pasting "the old fashioned way" to create such a montage. Likely German printed, this card is an imaginary scene of toddlers and babies hiking up through the mountains to a couple of chalets. My favorite is the boy in the yellow and orange striped outfit who is sliding on a snowy ice patch. This card has creases at the bottom right quadrant but fortunately the design is so busy, they are not that noticeable or detracting. Also, a small crease at top center just above the snow peak. But as you can see in the angled photo, despite the creases, the card has remarkably no surface wear. The colors are rich and vivid. Another interesting item of note is the franking verso, which if I'm reading it correctly is for the year 1909. The town Kragouvevatz no longer exists. A Google search shows less than a half dozen references to this city, which apparently was in Serbia, circa 1914.
Re: Insurance -- I don't usually require insurance on cards unless the order is over $50 and/or it is a rare card that would be near impossible to replace. I pack cards in a plastic sleeve between 2 pieces of cardboard inside a 5x7 greeting card. So, with that information, it is your choice if you'd like insurance and you can accept or decline during checkout.