Thank you for your question. I look forward to working with you to provide you the information you are seeking.
Unless you can prove the insurance company somehow denied your claim in bad faith, the policy limit is the policy limit I am afraid. If the servers were damaged in possession of the shipper, the shipper is liable for damage while in their possession. This also would be a second claim with the insurer as well and as the insurer hired the shipper, the insurer and shipper would be jointly liable and severally liable, meaning that you can pursue them together and separately and you can seek excess damages from the shipper up to the shipper's policy limits as well. However, if the insurer pays on the claim and you recover from the shipper, they could (depending on terms of your policy itself) be entitled to subrogation.
Subrogation is where the insurer is entitled to be reimbursed for anything they pay if you recover that money from a third party. If you can prove the damages recovered from the shipper were excess damages above the policy limits, then you could defeat the insurer's subrogation claims.
I truly aim to please you as a customer, but please keep in mind that I do not know what you already know or don't know, or with what you need help, unless you tell me. Please consider that I am answering the question or question that is posed in your posting based upon my reading of your post and sometimes misunderstandings can occur. If I did not answer the question you thought you were asking, please respond with the specific question you wanted answered.
Kindly remember the ONLY WAY experts receive any credit at all for spending time with customers is if you click on OK, GOOD or EXCELLENT SERVICE even though you have made a deposit or are a subscription customer. YOU MUST COMPLETE THE RATING FOR THE EXPERT TO RECEIVE ANY CREDIT, if not the site keeps your money on deposit.
Also remember, sometimes the law does not support what we want it to support, but that is not the fault of the person answering the question, so please be courteous.