Meh, I'm just used to insurance / risk assessments for using electrical equipment in events venues, where the fact that something is covered is pretty much fully dependent on the fact that it is safe (e.g. has a pat test certificate of electrical safety).
If its not safe, and the thing catches fire, you're not covered, no matter whether its a computer or a fridge.
My other experience is the use of the "you're not allowed that for insurance reasons" getout clause, which is used to shut people up, when its actually just beause we dont want them to bring something in, and has nothing to do with insurance at all.......
Thats just my experience of it anyway.....