If an electrical contractor doesn’t have sufficient liability insurance for this sort of event, they probably deserve bankruptcy. An employer has a moral duty

If an electrical contractor doesn’t have sufficient liability insurance for this sort of event, they probably deserve bankruptcy. An employer has a moral duty to ensure the wellbeing of their employees and organisation by applying foresight and minimising risks, and covering unavoidable risks with insurance. In my book, the responsibility sits firmly with the employer - not another business who had a contract with that employer, and a reasonable expectation that that employer would be adequately competent and insured. If anything, there was a failure on Tesla’s behalf around due diligence. If the law disagrees with me, so be it - but it seems unreasonable.