Ahh, yes, all too true, I'm afraid. Part of the vagaries of the jury system. If that businessman had had jurors who were also businessmen, the outcome might have been different, I'm sure. But juries today feel that insurance companies will pay the costs anyway, so no harm done.
And I have yet to figure out how a person who was not criminally responsible for committing a crime could be held financially responsible. The OJ Simpson murder case comes to mind. If he was not guilty of killing the two people, how can he be held financially liable? Doesn't make sense to me.
And, of course, I can countersue the guy who damaged my barbed wire fence, forcing me to pay for biological clean up to remove his carelessly spilled blood, couldn't I?
Truth is, I don't know if any of those examples you noted would hold up on appeals.