When a contractor makes a mistake and causes tens of thousands of dollars of damage our insurance (or bond) will pay. But its curious how people can say that a doctor can make a mistake, or work outside his expertise, cause tens of thousands of dollars of damage, and should not pay. And further, nobody here will call you out on that statement.
You are a person aren't you? Why don't you tell when's the last time someone you hired took you for that type of loss and you shrugged it off? Bet you can't.
No bond or insurance would pay out on a wall being off plumb. But they would pay if it caused damage.