@MattM CS If I'm understanding you correctly, this 'no changes' rule (which is very inconvenient) isn't because there were problems in the past that this new rule would've prevented. On the contrary, the reason for this new rule is because your insurance carrier requires it. Is this correct?
I've asked many times if anyone personally, or knows of anyone, who had a problem with their shipment that this new rule would've prevented had it been in place at the time. To date, I have not heard of a single instance.