There was a HN post or comment about this a while ago. What if the $50 guy you called to wash your 80k car scratches the paint? The company probably cannot get

There was a HN post or comment about this a while ago. What if the $50 guy you called to wash your 80k car scratches the paint? The company probably cannot get insurance for such damage, so they will have to pay you a paint job for $10 or whatever their profit would have been.