BYOD here, have never had a damage claim but realistically there is a device repair shop on every corner anymore and if I had an employee that said something I would just pay the 100 bucks to replace a screen or whatever. All employees have their own password for dispatching software, credit card processing, door and gate entry. If they quit we just remove them and they are locked out. Any tracking of the phone when they are not on duty can be disabled by them at their discretion however if it is disabled while working they cannot receive calls.