Disasters & Insurance

Has there been any planning about adding some stuff like emergency expenses?

For example, a worker injures him/herself at work and so the player will need to pay for the medical bills and time off salary as worker’s compensation.

Or maybe a building fire/robbery which would lead to a loss for the business unless the player has signed up for insurance.

I liked the thought of having salary benefits in Startup Company where the employees were more likely to stay if the benefits were better and had improved moods. It would be great to see that as a feature in this game too.