I am curious if other companies run into this situation. I have a few employees that are able to get insurance personally but are not insurable on our companies policy. The reasons may range from DUI to DUS or driving without insurance. All of these keep an employee from being insurable on our policy for a lot longer than they have to wait personally. I understand that our insurance company is trying to keep the incident rate low for my benefit but at times it seems overkill and a double standard. It stinks having to hire a laborer driver for a foreman that is probably more experience driving a larger truck or truck and trailer but he can't because of a mistake. Does anyone have any options?