Servicing, unloading bags, refuelling, toilet dumping etc etc is all the same thing.
We are only covered by insurance if it is one of our own a/c, even then it is a voluntary act if we were to go to the a/c until declared safe, and no action can be taken against us if we choose not to. We handle 3rd party airlines and are therefore not covered by insurance if something does happen so quite understandable if nobody comes fwd until the incident is declared safe.