I'm sure if insurance companies can find someone else to blame/carry the can, they will. If there is the slightest chance they can not have to pay out and get the boat park to foot the bill they will be the first one on to them, the fact the don't speaks for itself.
Some years ago I was burgled, I was with southern monitering who looked after my alarm, however the alarm went wrong about a month before hand, after repeated calls and cancelled appointments which left me with no alarms, thus, there was no call to the monitoring station regarding the breakin, I held them responsible, and told the insurance company about that, but the insurance company just weren't interested and chose to pay for the damages and losses themselves, that was a great deal of money involved, I think it was in the region of 15-20k. They probably knew it would have been a lost cause.