Most top-end frame builders have Crash Replacement policies. Which usually means you can get it replaced at cost, which is a little less than wholesale.
But as Alex said about Cannondale and Klein, the larger the tubing the stronger it is in aluminum. I've had a Klein since 1985 and have put it through a bit of torture during my tours. Nothing, that has ever happened to it, has damaged the frame in any way.
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ljbike