I think the real question is how do I make sure that I don't damage my loudspeakers.
The simple answer is to use a little common sense, but it helps tremendously if you have a basic understanding of how an amplifier drives a loudspeaker.
Take a decent 50watt integrated amplifier, one with honest spec, decent power supply etc, etc. Such an amplifier will deliver around 70 watts peak, after which the amplifier will clip. On recorded music with even a limited dynamic range the average power will be in the region of 5-10 watts, and this is with the amplifier running flat out.
It us unlikely that the continuous power being delivered by such an amplifier would develop enough 'heating' power to damage any speaker.
But this is in 'normal' use, ie mainstream music being played at sensible (even pretty loud) levels.
The problems arise when we step outside of the above scenario, bass heavy music, excessive use of volume and particularly bass controls can very quickly drive the amplifier into overload or clipping.
When this happens all kinds of things start to happen, squared off (clipped) signals contain huge amounts of high frequencies, sufficient in fact to burn out tweeters in some cases but the really big issues happen at the bass end.
Transient DC offset, produced by some amplifiers in extremis, can destroy a bass driver in a fraction of a second but even well behaved amplifiers can cause problems by overdriving them on low bass signals, often distorted by bass boost. Many ported loudspeakers have minimal 'loading' in the low bass, causing excessive cone excursion which can also destroy bass units pretty quickly.
The primary issue is misuse, learning and understanding the limitations of your, or any, system is the key, if you don't overdrive the system you will have no problems.