Which clause level do I need?

Three questions. The answer comes with its reasoning, because the reasoning is the part you can check against your own contract.

1 — What are you shipping?

2 — Does anything outside the cargo require a cover level?

A letter of credit or bank finance is involved I am selling CIF or CIP, so the sale contract sets a minimum No — the choice is entirely mine

3 — Which losses do you actually want paid?

Everything — including a damaged pallet or a stolen carton Water damage and major events; I can absorb small handling losses Only a catastrophe — the ship sinks, the truck burns