Open Question: Would such a fatality be covered by insurance?

Recently my father had the overhead cabinets in his office collapse, missing his head on initial impact by a hair's breadth and only knocking him out for a minute as they slid off the table, hence at a much weaker force. He was completely fine, and refused to even get a CAT scan (stupid). My question is, had these cabinets fallen on his head, therefore killing him, what kind of benefits would my family get? He has 4 sons, all of whom are under 18, and married. Would a lawsuit against the various components of the status of these cabinets - from manufacturer to installer to building maintenance to employer - be an add-on to the life insurance coverage? Our life insurance coverage is mid-range. Thanks for the info.