Years ago in the 1980's my father did a study ( he was a fleet manager for a region) and convinced the top to change the insurance they used. Insure the main hauler, insure the trailer, insure the driver, have full third party insurance, riot and political unrest and full public liability insurance, but not to insure the load. His reasoning was that, as the insurance rate for the freight alone was around 5% of total value, yet the claims amount was 3%, that self insurance was the cheaper option, and actually was a much cheaper option as well, because the amount that the breakages was could then be claimed back from the Receiver, as most of the value of the breakages cost was Excise Duty, seeing as the trucks were delivering beer alone.
Seeing as the major part of making a unit of beer is actually various taxes, duties and such Ad Valorum and the actual cost of making, bottling and distribution are smaller, then the claim back actually was cheaper. As well the losses were controlled better, simply by changing the packaging to a shrink wrapped pallet that could be handled in bulk with a fork lift, and putting extra trolleys on the trailers in a dedicated bay for delivery, saving carrying cases one by one, instead taking 11 at a time. Spec all trailers to have air suspension as well, and the losses dropped down to only in major accidents.