Well, insurance is a social game, usually. Everyone pays into the pot and if there is a launch failure, the cost is covered out of this pot. They might go after

Well, insurance is a social game, usually. Everyone pays into the pot and if there is a launch failure, the cost is covered out of this pot. They might go after the launch company to get some of the pot back full but ultimately, so many things can go wrong in rocket science that tracking down negligence is hard and it's usually a sum of 20 different factors that are hard to call "negligence" in most cases. Of course, most of the famous disasters usually are a result of that but for example most cases of a SpaceX booster being lost on landing is simply one of a billion things being 1% out of alignment.