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

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_insurance 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.