We have secured high risk coverage and each time the technician has been responsible for the incremental insurance cost.
We have done it in the past. One time it was present employee (son in law to owner). Another time, we hired a young man 20 years old and our auto policy wouldn't take drivers under 21. And most recently we hired someone who told me he had 2 incidents on his license (which he did, 4 points) and the insurance company wouldn't cover him till 2 points came off. About 6 months.
The son in law did pay, the other two were new employees and their starting wage was adjusted prior to start. The down side is you only have the coverage from this policy... the umbrella policy does not apply. We were fortunate and nothing happened durning the time with the separate insurance. I would never say never but I would think long and hard before going this road again. And it would really depend on the circumstances. A young person eager to get into our industry does not come along everyday, although the policy we have now does take younger drivers.
Hope this is helpful,
Lisa Schwentner Joles
Lew's Reliable Heat & A/C, Inc
"Building lasting relationships by exceeding expectations."
Air Conditioning Contractors of America