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Comment by Qwertious

2 years ago

Construction companies pay out dividends, go bankrupt, and get re-founded by the owner's wife/cousin/son/etc every year or two here. Also they're more likely to be subcontractors than employees.

That's what mandatory liability insurance is for: it takes the occasional risk of a huge liability payout and turns it into a regular line-item on the monthly budget. One that can be bigger or smaller depending on what the insurer's safety inspectors think of their workplace safety practices.