I wonder what ideas can be adopted at the local or state level in the US. Cars already have liability and collision insurance similar to grievance and medical i

I wonder what ideas can be adopted at the local or state level in the US. Cars already have liability and collision insurance similar to grievance and medical insurance as outlined in the Sanzorre example. Flight insurance is similar but does not insulate the airlines. Would this work for workplace or patients i.e. workers and patients get grievance insurance in th US?