To land with a crosswind is at the discretion of the PIC, demonstrated in the POH is information that is used to make that decision. That is the legal responsibility. The insurance company may make their own restrictions that you will have to comply with for them to insure you. It is very unlikely that they will make resrictions lower than the POH. To land in a x wind greater than demonstrated does not exceed the POH but may exceed the pilot's capability, this = pilot error. Pilot error is what we are insured for.