I have been running a small business for five years and am trying to grow it and make it a pleasant place to work. However, I had a driver who delivers for me rip the top of the truck off. I instructed (trained) the driver myself and specifically told him to watch out for items that the truck could run into. In fact, I told him to go around anything if in doubt. He has been with us for about 3 months with no previous problems. I don't expect him to pay for damages, but I wonder if I should have him pay for the deductable (or a portion) or if I should cut his pay, etc. To give a little more info, the action would not have happened had he paid attention and while I understand a business is responsible for its employees actions, where and how does an employee's personal responsibility work? I suppose I should ask how I should deal with this problem and how I should prevent it in the future. I have never had anything like this happen before and would appreciate the advice.