Shops are insured for collisions and cars falling off lifts. There is generally a $1000 deductible. If one of our guys damages a car he is responsible for the deductible. It encourages the guys to take care.
That engine cover doesn't cost $1000 so the insurance company will never know about it.

We've got over 100 techs and 136 bays. Occasionally something gets bent. Luckily, we have a body shop to deal with it. Since we're primarily a Mercedes dealer those are the most frequent victims. We had a Porsche Panamera suffer damage a couple weeks ago. I'm just glad we haven't hurt a Bentley, Rolls, SLR, or Veyron. That would be ugly.