I usually have two options. FOB origin, where I assume ownership when the item leaves the seller’s dock. FOB destination is more expensive, but the seller maintains ownership until the item is delivered to my choice of destination.

https://en.wikipedia.org/wiki/FOB_(shipping)

I always pay for FOB destination when ordering high value items. I bought two 250kVA UPSes from Eaton and one of the pallets tipped over on the truck.

The 2% I paid for FOB destination meant Eaton delivered another 250kVA UPS at their cost. Unsure if Eaton was made whole by the shipper or not.

This, exactly. There's a pretty good chance this is all on the buyer, by contract.