Several months ago, a port on an NEC-based USB card failed (a section of its LM3526 power controller & overcurrent protection chip blew), and just recently the same happened to an ALI-based USB card. I'm pretty sure I didn't zap either card with high voltage because I always touch the outer metal shell of the USB connector to bare metal on the computer case before plugging it in.
Each USB port has a 100-220 uF aluminum capacitor across its +5V and ground lines, and the NEC-based card also had a ceramic chip capacitor in parallel. Is there anything I can change or add to protect USB ports better? Does it help to use tantalum or low ESR aluminum capacitors? I installed tantalums on my other USB cards just after the NEC card blew.