... but these are worse. But for someone who runs a small business, not wildly surprising. Employers who believe that abject carelessness and rule-breaking on the employee's part should result in no claim do not have sufficient experience with the system. At this point, whatever its origins, workers comp is effectively no-fault bad outcomes insurance. If a bad thing happens to the worker on the job, then it generally pays no matter what the fault or facts of the case.
Our problem tends to be that we get a whole heck of a lot of "injuries" in the 3-4 hours between when we fire someone and when they leave the property.