What is the definition of Employer’s Liability?

Employer's Liability outlines the circumstances that the employer is liable for the acts of its employees. The law (specifically tort doctrine) makes an employer responsible for the acts its employees by virtue of their special relationship (employee-employer relationship).

Under the doctrine of respondeat superior, the negligent acts or omissions by the employees while they are doing performing their duties as employees are imputed on the employer. This means that the employer may be sued for damages by customers, other employees and other people affected by such acts.

For example, if a delivery truck driver (on the course of his making deliveries) beats the red light and hits another vehicle, the employer of the delivery truck driver is responsible. However, if the delivery truck driver uses the truck for his own business (and outside the business of the company), the damage is generally the responsibility of the employee.

However, if the employee acts under his or her own right or commits assault and battery, such acts are not considered the liability of the employer.

• Reinstatement
• Registered Principal
• Liquor Liability
• Businessowners Policy (BOP)
• Directors and Officers Liability Insurance