I can't answer this with confidence, I suspect it would go up if you made a claim similar to other insurances. Though car insurance is a weird racket so business interruption insurances may not be able to get away with it.

To the contrary, commercial insurance is often written to explicitly factor in the amount of claims that occur during the policy term, e.g. using retrospective rating[0]. Additionally, commercial underwriters typically have much more legal latitude in what they can consider when deciding whether—and for how much—to offer a policy contract: all states in the US have very strict rules about which sorts of claims can be considered when determining home and auto insurance rates for individuals (e.g. not-at-fault accidents and certain classes of weather damage are typically excluded)[1].

That being said, the brunt of the risk associated with a hiring decision lies with the employee in most situations (certainly in all the ones I’ve encountered personally working in retail and as a white-collar professional) in the US, and I would have to see some pretty startling numbers for an implied increase in insurance premiums to get anywhere near tipping that balance.

[0] https://en.m.wikipedia.org/wiki/Retrospectively_rated_insura... [1] NB I’m only familiar with US insurance regulation, so perhaps things work differently in other countries.

I mean, this is a thing that happens. The malfeasance is pretty indefensible, but if you start talking about the employ-ability (or lack thereof) of people judged "incompetent" then we're going to start walking down a really dark path. It'd be nice if everyone was the perfect employee but some people have short tempers and some people are a bit less efficient than others - should these people (if they enjoy and are trained in software development) be unable to find employment because they fall short of a standard?

If so, how should they support themselves? Is it right and just to relegate everyone you judge incompetent (due to training or innate ability) as ineligible to work? There are obviously extremes here that we, as a society, accept - but if we raise that bar and make it more precise with big data some really scary social effects will come out of the woodwork.

Personally, I'm in the camp that we need to shift the morality and realism of working so that everyone has the safety net of a UBI to fallback on in desperate times because I am reading the tea leaves and fewer and fewer people have more and more control of the economy.