You say it best. Com panies have to realize that the employees (and the employees) are required to carry car insurance when driving their cars or trucks. They are not required to carry insurance when driving a forklift. Should they (the employees) get injured, they run to workmans comp demanding to collect funds while they are off work. Since thet do carry insurance, their requirement is to sit for a day and be trained and retrained, and that is their cost.
As far as companies are concerned, they don't have problems shelling out $$$$thousands for golf tournaments and such but to help protect their workers, all of a sudden it is a cash grab.

Golf....safety, which is more important?