This appears to be one of those cases where the luthiers understand the post one way, the rest of us another.
I wouldn't have taken that question to be an insult - I would have figured a little paranoia on the part of the customer, but I saw it as a question like this: "Is my instrument covered in the event of fire/theft/vandalism/etc. while it is in your possession."
It appears the luthiers see the question this way: "When you make a royal cock-up of my precious instrument, are you covered for the liability so I can make you pay for your incompetence?"
The written word has no body language or inflection to go along with it - so those to whom Pete was probably addressing his story (his luthier peers) understood simply by context. The rest of us wanted to attack Pete because we didn't understand the story from his professional point of view.
Contempt?.............