Insurance:

You may provide your employees with different insurance plans. In fact, it's all but impossible not to provide insurance. There are five different types of insurance you may buy. 

Ace Insurance: The most expensive insurance. Excellent liability insurance, making you almost untouchable by the average lawsuit. Excellent worker's comp. is also provided, and will make you popular among employees, and you'll also be more likely to run into more skilled applicants. If you decide to stick with a more technological approach, this is a must for insuring your fancy toys. When they are destroyed when paying this insurance, you'll really only have to worry about the co-pay.

Club Insurance: Excellent property, data, and crime insurance. Liability insurance and workers compensation are also decent. If you plan to profit by selling data to researchers, or want to keep your base of operations safe, this is an excellent policy. This is a safe insurance plan, however, it is almost as expensive as Ace Insurance. 

Diamond Insurance: Amazing liability insurance, even better than Ace's. In fact, the crime and property insurance even rival's Ace's insurance. So why are they cheaper? Well, the worker's comp is a little... alright, it's bad. But if you throw enough money at your doomed employees, things are sure to work themselves out. It's a tad cheaper than Club Insurance.

Heart Insurance: Workers compensation doesn't get any better than this. Liability insurance is lacking. If you're using this, the most important thing to you is the safety of your employees. If they die, you want them to be in good hands. You'll also find yourself attracting plenty of capable applicants. It may have weaker liability and criminal insurance, but how could anyone mess with a guy who has you financially covered if you meet a dreadful end within a dungeon? Plus, this is far cheaper than Ace and Club Insurance, and marginally cheaper than Diamond Insurance.

Spade Insurance: The cheapest insurance. Although better than nothing, if you're a big company and using this, then you're going to run into some [i]serious[/i] issues. You use this if your employees aren't expecting much or are expecting to be paid a lot. This is perfect for small companies, who don't have to worry about major robberies, protesters, or opposition from [i]entire governments[/i].