How Can A Worker Protect Themselves From A Bad Employee?

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There seems to be insurance for almost any disaster imaginable. But I wonder if there is a policy that employees can take out on their companies, a policy that would pay out in cases of mismanagement, greed or acts of incompetency by their employers. No doubt such a service would be expensive. But when the insurance agency evaluates the company for this form of business insurance, the employee will get an idea of how stable their employers really are. It would be a great rating system that is visible to all, unlike those mysterious financial statements that troubled employers tend to keep hidden from their workers.