Good example, and it is timely.
In fact, the cost for the recovery will show up as an expense on someone else's balance sheet.
So the only financial incentive is to save money on insurance premiums.
The example that brought me to this discovery was trying to answer the question
"How much can we spend to test the service before we release to the customer?"
The answer was "we can't spend more than our overhead budget for any single project."