Actually, there is a maritime law called “General Average” that makes you liable for losses suffered by other shippers on the vessel. For instance, if the vessel needs to jettison cargo to save lives or the vessel, the expense of this lost cargo is shared by all shippers on the vessel, even if their cargo is fine. Carrier liability does not cover General Average, but all risk cargo insurance does.
One I.C.E. Transport customer had cargo aboard the Ever Given, which got stuck in the Suez Canal in 2021. The company did not have its own insurance and had to pay to reclaim its containers under a General Average claim by the vessel operator.