Who is typically held liable for torts committed by employees during their employment?

Prepare for the General Insurance Level 1 Exam with flashcards and multiple choice questions. Each question includes hints and explanations to help you succeed. Ace your exam now!

The correct answer reflects the legal principle of vicarious liability, which holds that an employer can be held responsible for the actions of its employees if these actions occur within the scope of their employment. This means that if an employee commits a tort while performing their job duties, the employer is typically liable for any resulting harm or damages.

This principle is grounded in the idea that employers have a duty to supervise their employees and ensure they operate within the boundaries of their job. It’s part of the overall responsibility of businesses to create a safe working environment and to train employees adequately.

In contrast, liability only resting with the employee does not account for the employer's overall responsibility in managing the workforce. Limiting employer liability to only intentional acts does not capture the broader issue of actions that, while not meant to be harmful, still fall within the job scope. The notion that a customer affected by the tort would be held liable contradicts fundamental tort law, as liability generally rests with those who perpetrate the act or those who supervise them, rather than the victims.

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