As mentioned, the problem with shipments is not always about the damage, but the theft of the package. Theft occurs by vehicles being robbed while a driver is delivering other packages; by relabeling packages to misdirect them; and unscrupulous drivers, especially during seasons when temporary drivers or warehouse workers are employed. This makes it tough to ship a digital back comfortably with no additional coverage.
I have an advantage in that I use a third party to ensure U.P.S. packages of high value (or FedEx, or U.S.P.S. in some cases), but otherwise would include full insurance coverage for most shipments if I cared about the chance of loss. Now, I am one who tends to run away from insurance coverage where possible, and I don't choose to insure luxury items at all, but because of my primary business I ensure shipments.
I just ran a quick check of U.P.S. regular rates via their website on a fictitious package weighing 8lbs, 14" on all sides, and valued at $12,000. The cost for California to New York (just using MAC Group address) was $121.31, of which $108 was the insurance charge. This includes a small surcharge for dimensions of the package (they use a higher weight for pricing because of size).
The same package using my third-party coverage cost $66 to ship. Once again, insured for $12K. However this method also includes Next Day service, while the former was only UPS ground. To clarify, the $66 fully-insured package is a Next Day air package, while the $121 package takes a week to go ground. This method is not likely available to everyone, but it illustrates that options are out there. And frankly, I'd pay the $121 as well, to insure against theft and damage, though damage is less of a concern if I'm the one packing it.