Additionally, insurance is regulated by state and each state sets it's own regulation of insurance companies. To make such a broad declaration, one would need to be versed in all states regulations. I cannot speak for Canada.There is no insurance risk. That's what it exists for, to cover accidents, even negligent ones.
When I was a kid, my dad had a burn barrel too close to the garage, and embers burned it down. Super negligent. Insurance paid.