Bose. My own experience of seeing the insurance industry at work both on other peoples accidents and an incident of my own a few years ago forms the basis of my statement.
It is true that the insurance industry are not legally able to state that the demonstrated crosswind is limiting. But they do expect the owner/operator to operate inside the aircrafts flight manual which equates to much the same thing. It would be a brave operator who specified a higher limit than that demonstrated.
You would be perfectly entitled to challenge the insurance company in court on the matter but the cost would probably outweigh the value of the aircraft many times over.
The original question was whether the flight manual figure is limiting or not. No. It isn't but you'd be a brave man to stand up from the wreckage and say you were in the right. Stick to the figure or land uninsured, that may not be the legal position but it's the best advice.