Bookkeeper accidentally triggered a liability nightmare on my last job

So I'm working out of Nashville doing general handyman gigs, mostly kitchen renos and deck repairs, and my bookkeeper enters the wrong damn classification code for a liability claim after I scratched a customer's antique oak cabinet with my DeWalt oscillating tool. Next thing I know, the insurance folks are quoting me a 25% premium hike because it looked like I was doing high-risk electrical work instead of just basic trim install. TBH, I laughed at first thinking it was a mix-up, but now I'm sweating over the paperwork. Saw a similar story in the Contractors Network Facebook group where a guy got hit with a $5k deductible out of pocket. Anyone else had bookkeeping screw-ups turn into liability headaches? Feels like a bad comedy sketch.