There’s another option too, one I’ve seen used more than once. Investor/owner arson. It has been called in my neck of the woods, “The Kingston Way!”
Especially now when the very first thought of many, is what you posted and I thought too, it would be a perfect time for some desperate, criminally intent failing business owner to try something like burning your biz down for the insurance.
I hope that’s not the case here, there’s never reason to kill your employees because of being terrible businessmen/women. Most would take their life first…
Jewish Lightening is what we called it. Or two insurance policies getting too close and rubbing against each other.