In my experience working for a large contractor for a time with several trades on the payroll, the lawyers always put as many parties on notice as possible, hence third-parties etc. with deep pockets and plenty of insurance to go after. They throw that net out far and wide. Your insurance company will then insist on your cooperation so they can "help" you, when actually they're looking for a way out for themselves.
BTW, I always gave the printed instructions and warranty cards to the HO's for smokes, GFCIs, etc., but I suppose I should have them sign for them these days, eh?!
