where climate will be a larger challenge than racism or lack of social justice? Some low-altitude island covered over by rising oceans; Where tectonic plates don't move under his feet; where tornadoes, hurricanes, or cyclones are 100-year events? Until climate change makes all those equally uncontrolled human events? Good luck, buddy! No guarantee, even with only 50 employees, diversified for race, age, gender, or accommodated for disability!
I'm not inclined to think there's a guarantee against human free will to vent anger and frustration wherever that happens. Bad things do happen to good people marred by all kinds of faults because they are human - that is a fact of life as well. If corporations are people, there's no guarantee about their everlasting continued existence, come what may, no?
Increasing insurance costs by bean counters are shared down to the lowest mandated ones, here or abroad, largely by policies that promote social injustices and racism's uglier faces, and it's not unusual for FDs to allow a structure to burn when it's too far gone to save or fix. Following standards of protection when humans are in danger? Experts re: fire? Experts as untainted great heroes?
Stop with the whining; do some introspection, and get on with whatever consumer good you make and grow fat and less and less creative and fair-minded!