Exactly. It's the same reason why if your landlord hires a maintenance worker to do routine maintenance and they damage your property, you have to go after the landlord, not the contractor. It's the landlord's responsibility to go after their contractor.
Granted the landlord won't tell you that.

If you qualify (meet one of 3 criteria, and no they don't check), you can get a $14.89/mo Computers 4 People Shield plan.