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 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.