When the construction worker messes up a job that then causes injury or damages the property they absolutely get sued. The state can even get involved if the mistake is deemed criminal negligence.

In your example the owners will often take the construction company or small business owner to court. Most trades people negotiate and redo the work for free or much reduced cost to avoid this.

In office settings if you expose PII you will likely be fired.

what the hell are you on about? Have you ever been employed? Employees do got reprimanded because of their mistakes. Employers just don't sue via the courts for the same reason you don't sue your spouse first thing when they break a plate. They settle via internal penalties first.

(Not only that, employees who got a reprimand too heavy handed can sue back. Plenty of cases around.)

"AI" company provides a service. They might or might not be adequate, that's not the point, the point is that the ability to sue them must always be on the cards if the agreed upon terms aren't met.