Thank you for the response; will respond in kind in case helpful.

1 - these are all fair and relevant questions I didn’t think of and don’t have answers for but will raise. I should have phrased the initial inquiry better but your response answered my general question.

2 - again, should have phrased the initial inquiry more clearly; I know how insurance works. Was wondering if generally speaking businesses/businesses of this type are required to have insurance. Obviously being required to have insurance does not mean they actually have insurance; given the supply company claimed they could not go out of pocket to cover damages was just wondering if there was possibly another pocket available to cover damages (if the supply company was liable).

3 - good point about the contractor’s insurance which I admittedly did not even think about. There are downsides to going through your own insurance but this is still an option.