Do you think HP or Dell will take liability? Tell me you have never dealt with any large OEM without telling me you have never dealt with any large OEM. No way they will take any responsibility for loss of life, data loss, or literally anything at all. The best they do is send some cannon fodder to replace the hardware if it fails. Perhaps it's different if you have a few hundred thousands of their devices running but my experience with small operations is that it's basically impossible to deal with them.