Okay, have you ever had anything that needs repairs done at your house? Let's take the geyser example, a guy will pitch up there with his guys, you will hear in the manner he speaks that he is the main man, the qualified plumber, after discussing everything, some scruffy guy or guys will go up the roof, not the important guy you were talking to, he might or might not have a big tummy that won't fit through the trap door, but that's a discussion for another day.
The important guy might disappear for a while during the day only to come back later fter the scruffy guy has done with all the plumbing work. If the guy is bothered he might poke his head through the trap door and ask his scruffy guys some few questions then he will tell you everything is fine, you can enjoy a hot bath.
If there is any insurance related paper work who will be doing it, the scruffy guys who did all the work or the important guy?