> I think the point is that at small scale a single accident poses a risk of ruin to your small operations.

At big scale, a single big accident poses a risk to ruin your big operations.

No, it does not. Every large company eventually has a big accident. They survive because they have both the resources (e.g. to fight ensuing legal battles, or pay fines, or simply weather a hit to reputation and the resulting downturn in revenue) as well as redundancy, different types of insurance, and so on.

	▲	zaphar 9 days ago \| parent \| next [-]
		They also survive because they invest those resources in some amount of mitigation ahead of time. They don't survive when they don't scale their mitigations along with the business.
	▲	daveshistory 9 days ago \| parent \| prev [-]
		Companies of all sizes should have insurance to cover such scenarios. You need to get tradesman's insurance on your repair work, or you need to ask yourself why the insurance companies won't insure you.