We have a fleet of 30 tractors and another 20 vehicles. Ill toss the keys to a truck (of course as long as they have a license and I trust them) but they dont pay for anything when they f up.. thats on our company.Show me a franchise dealership in the states that doesn't make their dumbfuck employees pay the insurance deductible when they wreck one of their cars.
Canada is weird with insurance so it wouldn't surprise me if the standard practice is different up there.
The first dealership I worked at had a $1000 deductible. They took $25 from your paycheck every week for the first 40 weeks until you had a deductible bank account so when (not if) you wrecked one of their cars they wouldn't have to hear the sob story about you not having $1000 to pay it.
They paid said account back to you if you quit. Honestly not sure if they gave it back if you got fired.