The cost should not be distributed. The cost should go directly to the business that is employing these women. If a business employs anyone they hope to do so by creating more value then the value then is spent on the employee. Even if the cost could be distributed, it has little impact on the fact that when the women goes on leave she is taking some 'business knowledge' that will take time to replace. The ability to even determine the value lost is impossible except under very general assumptions.

Car insurance isn't compulsory in all states (assuming you are from the US, but most require it). In NH you simple have to prove the ability to provide personal responsibility. If the roads were private, then it should be up to the owner of the road whether or not insurance is required.