To your point, is there a real chance an amp could lead to a claim? It's extremely remote.
@bigtwin So, in your 20 years in the insurance biz did you ever see a claim based on audio equipment being left on? How about a refrigerator? That’s always on, so how many claims did you see from a fridge causing a problem? The likelihood of an amp causing an issue from being left on is so small it’s downright laughable, and those yelling fire on this are just feckless alarmists IMHO. I take your point about insurance companies being stingy about paying claims — I had that happen once and am still pissed about it.