It really would have to be willful negligence from the designer, the engineer and the insurance company not to have the keel and mast balanced so that if it gets knocked down even to the point the mast touches the water it will self right as long as the boat does not take on water. It’s the whole point of a keel on modern sailboats, retracting or not.

On a boat this valuable the insurance company would want underwritten engineer reports about the seaworthiness of the boat and will only insure you for pre agreed areas based on said report. It might not be insured but with a commercial crew that is highly unlikely.

If the keel was up for shallow draft or it fell off, this happened to a number of oyster yachts a while ago so its not that unusual, then they would be fucked. If it took on water in large quantities so that the bilge pumps could not cope, they would be fucked. However it should be unlikely that the windows are open during a storm with commercial crew onboard.

My guess is that the keel either part or all of it came off, that will fuck you even in calm seas.