Oops. hit the wrong key.
TechnoDave: I've been trying to make that same point, but you did a great job. I would add that the 2020 NEC added clarification to this section of the code regarding NRTL's. There are lists of currently approved ones, and ones that have lost their approvals also listed on the OSHA site.
There is (and was prior) language regarding local decisions and the role of the AHJ (authority having jurisdiction) but the newly adopted code makes it much easier for them to just point to that statement, and demand proof that the product meets approvals. In our area, you have to submit the entire plan before you begin, and they check it before granting any permit. Then they check to make sure everything is installed according to the plan.
I'm really tired of contacting companies that claim they are "Listed", and people who also make these claims with no proof to back up those claims. Often, it turns out to be some "self certification" stamp of approval. Yeah.....
The only thing in your statement that I MIGHT take exception to is the last sentence. Insurance companies have no means by which to determine "full compliance". There are many things that are grandfathered, there are jurisdictions that don't enforce the latest codes, and there is language that allows localities to make exceptions. I'm not saying that they cannot make a determination that you were not compliant, but rather that you might need to go to battle with them if something happened.
In general, it is prudent to make sure things are actually approved, and take out permits. Get the stuff inspected.