As an insurer, I suspect your experiences and advice are focused more toward the "bottom end" of this profession. I've been fortunate to have been able to interact with the "top end" folks for over 3 decades. Deflecting, defending, or even worrying about claims is not part of any discussion in that group.
Training, educating and inspecting to a level well above the minimum standard would probably reduce the claims significantly. This whole profession should be constantly improving their knowledge and service to their clients, not hiding behind minimum sop.