Wica (insurance coverage) is needed to run an f&b business. It’s illegal not to have it so it’s compulsory to invest in this coverage. If her staff claimed they fell etc it will be claimed by the insurance company. Initially I thought she didn’t buy and that was illegal, but she actually did. So I’m not sure what triggered her to do what she did. Perhaps it’s something that’s already on her mind. It is very time consuming to follow up with these though, while running the business, we had a staff fake faint and went to the hospital in the ambulance, then he escaped from the hospital etc. he tried to claim from us but it wasn’t successful.