It turns out the technician was working for a shady company that didn’t have liability insurance, now what? Before responding, please read what your homeowners insurance policy says about hiring people to work on your home, then tell me if you’re covered. People always assume it’s lawyers when it’s actually insurance companies mandating risk management.
Millions of unskilled people work with and around propane on a daily basis. It's not even remotely a big deal if you have an IQ above room temperature.
Also, there wouldn’t be fire code [1] and insurance requirements for refrigerant detection systems in rooms containing mechanical equipment with refrigerant in them unless it was an actual danger. Building codes are written in blood, as they say.
[0] https://www.yahoo.com/news/blew-across-home-appliance-expert...
[1] https://codes.iccsafe.org/s/IFC2021P1/chapter-6-building-ser...
Paint a fence? Pay the neighbor kid. Patch a roof? eh ... what could go wrong.
Yeah it's CYA: the ass in question is yours. The guy who burns your house down without insurance will just file bankruptcy. You're the one left with the ashes.
I have my doubts that such a thing exists outside of extreme circumstances or internet commenters' imaginations.
Insurance for damage due to building works is separate and required to be carried by the principal contractor for work over $20,000.
Which is to say, if I don't check they actually hold a policy, the residential insurance is not going to pay out.
I am extremely skeptical you have interpreted those policies accurately. For example, the one above doesn't require anything of anyone renovating stuff: but it also just won't pay for any associated damages.