There is a defined line with fire systems and programming, you can service or work on a system and not change how the system functions.
If the system isn't operating as commissioned it will throw a fault. The commissioning engineer would remain responsible, that all makes sense.
I would say intruder most is not demarked in separate level menus like this and difficult to define like that if it hit the fan.
But yes it's how you or the insurance interpret it, I am certainly in agreement you should default on incoming.