Actually, they may not be. One thing UPS or Fedex will do with large-volume shippers is offer even better rates than the rates they can already get, by dropping any 'liability' options (or capping it). Found this out at my previous employer when a co-worker filed a damage claim. He did all the steps of the process, including providing an invoice for a one-off, machined part made of a high-alloy material (it was thousands of dollars). All through the claims process, no one at the carrier said anything... A couple weeks later, he rec'd a check for $100 (US). That was the maximum they pay out on claims (in return for really good rates).
Remember, Apple ships computers, iPhones, iPods, etc direct from China, using 2-day service in many cases and those rates can't be cheap. But they get so much of a discount, they can "afford" to have a few devices lost. UPS and Fedex do lose or damage "x" packages per day so given Apple's volume, that % will hit Apple's shipments too.
