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.
If it's in our inventory.... or on our property.... or in the possession of an employee using a dealer plate to move it.... it's on our "any and all VINs" insurance policy and every employee who's allowed to drive is listed to said policy therefore it's on the driver of the vehicle to avoid making contact with things.
Our business is 100% cars. It's all we do. Sell hundreds of cars a month. Service thousands of cars a month. Do body work on hundreds more. The only thing we do to make money involves showing, driving, selling, fixing, maintaining, racking, moving, parking and repairing cars. Which of course creates thousands and thousands and thousands of opportunities for employees to make mistakes and cause damage. That's on them.
I don't own the dealership. I likely never will. But every dealer I've ever worked on or interviewed at has had the same policy......if you wreck it, you're fixing it.