Will I be liable if damages occur because someone I employed is breaking the law?
This isn’t a question you want to have to think about as a business owner. Not only will this impact your bottom line, but it can mar your reputation if your employee breaks the law. You need to be covered, but you also want to avoid the situation completely. SWFL Insurance Agency Inc. serving Fort Myers, FL can advise you here.
Why are employers usually liable for employees’ actions?
There are multiple reasons the courts will generally hold an employer responsible for an employees’ actions. It’s easy when looking at a simple example, such as when an employee is driving a work vehicle running an errand and accidentally causes property damage.
Here are some reasons the Courts will give:
- When people are on the clock working for someone else, their time is not their own. The employer benefits from the good, and should be responsible for the bad.
- When someone is injured or property is damaged by someone’s negligence, the law looks to someone who is able to compensate the victim. Often the employer is more able to pay than the employee.
These examples don’t apply to criminal acts, which are deliberate and not negligent.
How can you protect yourself?
As a business owner, you are normally only responsible for acts of negligence by your employees. You can protect yourself by:
- Screening potential employees careful, with criminal background checks and drug screens.
- Releasing employees if they commit criminal acts after joining your company.
If you have any questions about your policy or need to file a claim call SWFL Insurance Agency Inc. in Fort Myers, FL.