As can be seen in the picture, the word fragile was not used. There is a "this way up" type arrow but that is it. I think that I got pretty lucky and didn't have any significant damage. My ding is pretty minor. The plywood damage in the picture was from me pulling it open to inspect. The crate did have a second layer in the middle where one would expect a forklift to lift. I was worried about someone with short forks poking up from underneath. I think something that almost happened was someone trying to lift the crates from the end, like if it was on a closed trailer. I had a fork shaped hole on one end and no reinforcing underneath. Fortunately VM packs with 6 inches of foam at each end.

I think I am going to leave insurance out of this. This is sort of like the first door ding on your new car. Now it is out of the way.