Employer liability for employee actions

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When an Off-Duty Employee’s Actions Drag the Company Into Court
Employer liability for employee actions, Business and Commercial Liability Claims

When an Off-Duty Employee’s Actions Drag the Company Into Court

You assume that once an employee punches out for the day, whatever they do on their own time is their business. That is mostly true, but not always...

18 days ago Read More
Negligent Hiring and Retention: When Employers Pay for Employee Actions
Employer liability for employee actions, Business and Commercial Liability Claims

Negligent Hiring and Retention: When Employers Pay for Employee Actions

If you own a business, you already know you can be held responsible for what your employees do on the job. But you might not realize that you can...

19 days ago Read More
When Your Employee’s Mistake Becomes Your Company’s Liability
Employer liability for employee actions, Business and Commercial Liability Claims

When Your Employee’s Mistake Becomes Your Company’s Liability

If you own a business, you already know that your employees can make or break you. But what happens when an employee does something wrong on the job...

19 days ago Read More
Off-Duty Misconduct: When the Employer Is Still on the Hook
Employer liability for employee actions, Business and Commercial Liability Claims

Off-Duty Misconduct: When the Employer Is Still on the Hook

You might think that once your employee punches out, anything they do is on them. That’s a comforting belief, but it’s often wrong. Courts have...

19 days ago Read More
When Employee Fraud Makes Your Business Pay
Employer liability for employee actions, Business and Commercial Liability Claims

When Employee Fraud Makes Your Business Pay

Your employee commits fraud. They steal from a customer, forge documents, or run a fake invoice scheme. The immediate loss is theirs, you might...

2 months ago Read More
Negligent Hiring: When Your Hiring Decision Comes Back to Bite
Employer liability for employee actions, Business and Commercial Liability Claims

Negligent Hiring: When Your Hiring Decision Comes Back to Bite

You hire someone to do a job. You check references, run a background check, and feel confident. Then that employee does something harmful on the job...

4 months ago Read More
When Are Employers Liable for What Employees Do on the Job
Employer liability for employee actions, Business and Commercial Liability Claims

When Are Employers Liable for What Employees Do on the Job

You own a small plumbing company. One of your techs drives a company van to a supply house to pick up parts. On the way back, he runs a red light and...

5 months ago Read More
Employer Liability for Employee Intentional Misconduct
Employer liability for employee actions, Business and Commercial Liability Claims

Employer Liability for Employee Intentional Misconduct

Most business owners understand that they can be held responsible when an employee acts carelessly and causes harm. But what happens when an employee...

5 months ago Read More
When Employers Pay for Employee Mistakes: The Scope of Employment Rule
Employer liability for employee actions, Business and Commercial Liability Claims

When Employers Pay for Employee Mistakes: The Scope of Employment Rule

If an employee causes harm while doing their job, the employer can be held legally responsible for the damages. This is not a fringe legal theory. It...

10 months ago Read More
Negligent Hiring and Retention: When Employers Are Liable for Bad Employees
Employer liability for employee actions, Business and Commercial Liability Claims

Negligent Hiring and Retention: When Employers Are Liable for Bad Employees

You hire someone who seems fine. They have a decent resume, pass a basic interview, and maybe you run a quick background check. Then that employee...

10 months ago Read More
When an Employer Is Legally Responsible for an Employee’s Actions
Employer liability for employee actions, Business and Commercial Liability Claims

When an Employer Is Legally Responsible for an Employee’s Actions

If you own a business or manage people, you need to understand when you can be held financially responsible for what your employees do on the job...

11 months ago Read More
When an Employer Pays for an Employee’s Mistake: Vicarious Liability Explained
Employer liability for employee actions, Business and Commercial Liability Claims

When an Employer Pays for an Employee’s Mistake: Vicarious Liability Explained

If one of your employees causes harm while doing their job, you as the employer may be forced to pay for the damage. This is not a matter of fairness...

1 year ago Read More
FAQ

Frequently Asked Questions

You must still notify your insurer. A seemingly minor injury can develop into a major medical issue, and a small demand can escalate into a full lawsuit. Your policy requires you to report all claims, and deciding not to report a “small” one puts you personally at risk. The insurer has the experience to evaluate the true risk. If coverage isn’t needed, they will simply close the file, but you have protected your position.

Policies always list what they don’t cover. Key exclusions to scrutinize include intentional acts, professional services (unless you have E&O insurance), contractual liability for certain agreements, pollution, employment practices, and cyber incidents. You must understand these gaps. If your business faces excluded risks, you need separate, specific policies to cover them. Never assume a general liability policy is all-encompassing.

It’s crucial because liability is not automatic. The legal system requires you to pinpoint whose conduct caused your harm. A vague claim against “the situation” or multiple parties without specific evidence is insufficient. You must demonstrate that the defendant’s specific actions (or failure to act) breached a duty owed to you, directly leading to your injury. This establishes the necessary legal link between the party at fault and the consequences you suffered, which is the foundation of any successful claim.

Preserve the original digital files exactly as they came from your camera or phone. Do not delete them. Create a dedicated folder on your computer or cloud storage and make backups. Within the folder, you can create subfolders by category (e.g., “Scene,“ “Injury,“ “Property Damage”). A simple text document noting the date, time, location, and a brief description of what each photo shows will help you stay organized when you need to present the evidence later.