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/u/wiccedd
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After hearing about the California warehouse fire, I keep coming back to this idea that most people will probably hate: insurance companies shouldn’t pay out if a business clearly ignored basic employee safety or well-being.
Yeah, it sounds extreme. But think about how things work now. Companies cut corners to save money, push employees harder than they should, or skip safety measures, and if something goes wrong, insurance helps clean up the mess. Where’s the real incentive to do better?
If insurers started denying claims in cases where problems were preventable, like unsafe conditions, overworked staff, or ignored warnings, businesses would have to take those things seriously. Not just for PR, not just to avoid fines, but because their entire financial safety net would depend on it.
Right now, the risk is kind of abstract. Remove that cushion, and suddenly companies have a real reason to invest in safer environments and treat workers like actual humans instead of expendable parts.
Obviously, it would be messy. There’d be lawsuits and outrage. But it might also force a shift that regulations alone haven’t fully achieved. If companies knew they couldn’t fall back on insurance after cutting corners, I think we’d see a lot fewer “preventable” disasters.
submitted by /u/wiccedd
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Yeah, it sounds extreme. But think about how things work now. Companies cut corners to save money, push employees harder than they should, or skip safety measures, and if something goes wrong, insurance helps clean up the mess. Where’s the real incentive to do better?
If insurers started denying claims in cases where problems were preventable, like unsafe conditions, overworked staff, or ignored warnings, businesses would have to take those things seriously. Not just for PR, not just to avoid fines, but because their entire financial safety net would depend on it.
Right now, the risk is kind of abstract. Remove that cushion, and suddenly companies have a real reason to invest in safer environments and treat workers like actual humans instead of expendable parts.
Obviously, it would be messy. There’d be lawsuits and outrage. But it might also force a shift that regulations alone haven’t fully achieved. If companies knew they couldn’t fall back on insurance after cutting corners, I think we’d see a lot fewer “preventable” disasters.
submitted by /u/wiccedd
[link] [comments]
Continue reading...