Depends.

The warehouse operator will claim it on Insurance so they are not out of pocket.
Insurance will sue the person who started the fire and can never pay off the debt so the debt will be written off after a decade of near to no payments and get a healthy tax deduction for it.

The only person to loose out will be the workers who are now out of a job, the tax payer who receives less taxes paid due to the write off and the loss of sales tax.

funny thing about insurance. they don’t like to pay. they really don’t like to pay when incidents are avoidable.

if this continues to happen, it will become a metric that liability companies will begin to track.

if employers are underpaying their staff, the insurance companies will increase the paid amount since the management of the company is a high liability to underwrite. that or we’ll start to see underwriters drop contracts entirely because of the high risk low reward.