fix: respect insure from setting

[joerivanveen]

INT-1781

[codecov]

Codecov Report

✅ All modified and coverable lines are covered by tests.
✅ Project coverage is 94.31%. Comparing base (393ad70) to head (be3db73).

Additional details and impacted files

@@            Coverage Diff            @@
##               main     #515   +/-   ##
=========================================
  Coverage     94.31%   94.31%           
- Complexity     2419     2420    +1     
=========================================
  Files           352      352           
  Lines          7738     7738           
=========================================
  Hits           7298     7298           
  Misses          440      440           

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[Copilot]

Pull request overview

This PR fixes insurance calculation so that when shipment option insurance is resolved to tri-state ENABLED (1) by the settings-resolution step, InsuranceCalculator derives the insured amount from carrier settings (including the “insure from” threshold) instead of mistakenly treating 1 as a literal insured amount.

Changes:

• Update InsuranceCalculator to treat INHERIT (-1) and ENABLED (1) as “derive from carrier settings”.
• Add/extend unit coverage to run TriStateOptionCalculator + InsuranceCalculator together for realistic export behavior.
• Update the delivery options endpoint unit test expectation to match the corrected insurance derivation logic.

Reviewed changes

Copilot reviewed 3 out of 3 changed files in this pull request and generated no comments.

File	Description
tests/Unit/App/Order/Calculator/General/InsuranceCalculatorTest.php	Adds integration-style cases that include TriStateOptionCalculator, ensuring “insure from” and “insure up to” settings are applied in the real calculator order.
tests/Unit/App/Endpoint/GetDeliveryOptionsEndpointTest.php	Updates expected insurance amount in micro-units to reflect deriving from carrier settings (and applying the exportInsuranceUpTo cap).
src/App/Order/Calculator/General/InsuranceCalculator.php	Fixes interpretation of insurance=1 so it triggers settings-based derivation rather than tier resolution of a 1-cent “explicit amount”.

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