Spoken like a true public servant!
So if this private person who outlaid their own capital, to produce a valuable service to the community, and provides employment for many people, and contributes to taxes.... if they don't pay the extra $ for business continuity insurance, they should have to continue to pay their employees even if they wind up the business and cease production? Interesting.
What about for insolvency? What about for vandalism? What about if the owner retires and nobody wants to buy the business? I'm curious how far you think the owner's responsibility to keep giving paycheques to workers who aren't working extends...