In a workplace context, vicarious liability refers to a situation where an employer can be liable for the acts or omissions of its employees, provided it can be shown that they took place in the course of their employment.

For example, Mark hires Jim to work as a forklift operator in his company. Jim accidentally hits a customer's care while moving a large crate with the forklift. Because John was engaged in the duties required by his employment, Bob can be held vicarious liable for the damages.

How do commercial insurance contracts address the exposures created by employees? Find and discuss an example, using any type of commercial insurance coverage (e.g., you may refer to the coverages described in Module 7).