I understand what you are getting at but still. What happened to personal accountability?
And why dont they have insurance if they are in business?
I totally agree about their accountability and often they would too, I'm just talking about how the business works.
If something major happened at Fotokem or any of the older giant labs, they wouldn't just "make it right." You, them, your insurance company & their insurance company would go into long negotiations with them about how the costs would be handled...but if it was a small batch even with a big boy they'd probably just replace your film to make it easy on them time-wise...they never HAD to do it automatically.
It's just like parking lots saying that leaving stuff in your car there is at your own risk. They can't completely wave responsibly by putting up a sign or stating a policy...if they messed up they would be accountable, it might just take a while and some money to get to that point legally. Make sense?
I can live with having to reshoot if my actors are up for it because they are taking reduced rate anyway but I cannot handle it if the stock gets wiped out and I cant get replacement.
If that's a concern you might want to look into insurance or maybe the lab can direct you to companies that do that...it can be affordable. I would look at it like (slightly more likely than) a freak hurricane or something...it can happen, rarely with good labs.