Liability cover that cannot be used

I got a blank thick canvas frame delivered, took out the liability for up to R1000. When my order arrived the packaging had all been torn, the canvas with a huge hole in it as if someone had kicked it. No waybill/delivery note. I contacted Courier Guy only to be told they cannot help me. I then lodged another complaint and was told that the insurance/liability cover does not cover the damages, however they cannot let me know what it does cover. I often use The Courier Guy for both my businesses and refer them out to other people. I am sad to say that I will be taking my business elsewhere as I have had such poor and unprofessional service when it came to dealing with this package.