I take your point Megan but the R in IFR stands for Rules - if your operator chooses to break them that is their folly (can't imagine any insurer would pay out following a crash)
The company had no time for ANY stinking rules
crab, self insured as well, the oil company being both the owner and operator. The fact that they had never had an accident in my 27 years with them gave them cause to write me that results proved they were doing everything right. Normalisation of deviance.