Galleys and trolleys are generally considered 'non-airworthiness' items. They do not feature in the official aircraft manufacturers parts catalog, a very important document. Although they must conform to various requirements to be used on aircraft. A fault or failure is usually not serious.
Pretty much all the others except ground equipment feature in the manufacturer's build, in the parts catalog and have airworthiness implications. I suppose pilots' seats are not strictly part of the hull but the track to which the seat attaches definitely is. From your insurer's brief they seem to be considered differently. However they are equally critical airworthiness items.