Why limit it to maternity leave? Just make a general-purpose "valuable employee vanished without warning" insurance. Could apply equally to someone quitting, dy

Why limit it to maternity leave? Just make a general-purpose "valuable employee vanished without warning" insurance. Could apply equally to someone quitting, dying, enlisting in the army, running away to join the circus... For a company large enough to diffuse the risk internally it wouldn't make much sense, and for small companies it might not be feasible (could a five-person software company afford a large enough insurance policy to mitigate the loss of the lead developer?), but it might make sense for mid-size firms... If memory serves me, some companies actually do things like take life insurance policies on key employees for exactly this reason.