Don't know in U.S., but here couriers are "never responsible" for damages due to shipments, cause they always claim that the cause was "insufficent package" (if you send something inside a steel safe, and it arrives damaged, for the courier it's always insufficent packaged, LOL
)
Seriously speaking, i think it's matter of see before how the item was sent, you don't think ?
That what i mean is ..... if i send you a driver, LD or anything other just slipped in a multiball envelope (or anything you call those all bubbles envelopes), and just hope that it arrives less than pulverized (LOL), then the responsability of the damage is mine, cause i made nothing for prevent it ..... if instead i send it, as example as i do usually, inside an antistatic bag, then wrapped in multiball foil, encased inside a custom made paperboard block, then wrapped and at the end slipped in the envelope, i honestly think the responsability is not mine at all, cause i've done all that i can do for try to avoid damage, and if some of the couriers jumped on my envelope, or maybe just carried it around in the truck under a 500 Kg wooden box, sure i can't humanly do anything for prevent it, right ?
Then, about insurance, it's always difficult , at least here, get them paying for their mistakes ..... as example, if anytime you get a package,
you don't write clearly on the delivery document that you accept it "with reserve to check weight and content" , they automatically assume that you agreed to receive it independently from the condition of the content, and all the responsability is considered automatically your
so the insurance don't pay you anything, also if broken, without this indication near your signature.