1St I have worked in the oil field. Lets just say if it needs a coating I have applied it. texas was by far the worst when it came to unsafe/illegal practices, but thats another thread. Let me ask you this, how much money can you spend right now to fix something, your teen age kid just did? 1000? 10000? 100000? 1000000? or more? its almost of the same thing with your employees only worse. It would not be hard at all to rack up 100k in medical bills alone for a nd, that was just a flesh wound. Even if all they did is put a hole some where, guess who is paying for that hole? I know guys that lost law suit becuase one of thier employees took a work car home( basicly stole it) and got in a wreck. I don't want to lose every thing over something a employee did. yeah that could always happen, but if I can limit the risk I am all for it. I SIGN THE CHECKS.