I would expect that the lot owners insurance would still pay up but I suggest that you put this question to your insurer for a definite answer. Perhaps you could also ask if your insurer would in turn pursue a claim against the Owners Corporation.
Another approach might be to find out what it would cost for automatically closing doors and card access so that the doors would automatically be locked without relying on residents to do the locking. Having done the research, you could put a motion to a general meeting to install that sort of closure to the doors. Unless you know someone on the executive committee is keen to do the research and push the issue, I suggest it would be more fruitful to do the work for them. Let them know your concern and offer to help. That way you don’t put them off-side by springing this on them fully formed but you also don’t annoy them by expecting them as busy volunteers to drop whatever they are doing now to do the work for your pet project.