You wouldn’t want to inconvenience .00025 of the population, would you?
I think that, with the data-management tools we have today, insurance pricing could be much more reflective of individuals’ actual risk and experience.
It could be if it weren’t for so much freaking regulation.
Insurance is a tool for managing risk. Not promoting social justice.
Note to employers, small to large: Cowering in your offices/boardrooms is no longer an option. Time to haul up your big girl panties and take a stand.