Let's assume not.

> or do you have any contractual limitations on cost that may protect you?

I guess in this hypothetical case the person whose laptop was stolen cancels the credit card before the charge is made.

> But generally you will be liable for the costs incurred from items stolen from your custody.

Right... but who was the victim of theft here? The service provider or the client of the service provider?

> You must then recover those costs from whoever stolen from you

So... can the service provider sue you to pay for unauthorized use of your account? Or would that get thrown out and then they would have to go sue the person who actually stole the service?

I think it's clear to me that once the service provide gets cash from the person whose laptop was stolen, it's the problem of the person whose laptop was stolen. But if not, is the problem of the service provider?

If you refuse to pay and they sue you then they will win and a court will force you to pay, even if it means a sheriff comes to your house and takes your things to sell at a public auction to come up with the money.

You will have to recover from the thief if you want to be made whole. It's possible that if you know who the thief is and can serve them, you can join them to the suit the provider brings against you. Then the court will adjudicate the whole thing together and the thief will directly pay the provider. But that still starts with suing you and action on your part to find and sue the thief.