I accidential damaged third party property while on location for work; should I be covered by work?

As working as a promotion street team member for a radio station, a listen allowed me to sit on their motorbike (as part of our mandate to interact with the crowd). Half a minute later, The bike fell over as had not be propped back ‘fully’. The owner was there when I dismounted, but didn’t check the bike was secure- though, I honestly thought I had propped it correctly. Should I be covered by the Radio Stations Insurance – as I was only there for work and ‘on the clock’ – the listen would not have allowed me on the bike if I had not been part of the radio team interacting.

Asked on May 23, 2009 under Employment Labor Law, Alaska

Answers:

J.V., Member, New Jersey Bar / FreeAdvice Contributing Attorney

Answered 11 years ago | Contributor

my short answer would be that if you were working and at the time of the incident you were as you say on the clock and doing as the job required i.e. interacting with the crowd you will probably be covered by the companies insurance.

If the individual does pursue this matter you will be best served by hiring an attorney. I would assume they will proceed against the deepest pockets which is the station but if you are named individually your attorney will probably bring the station is as a second party defendant to the case.

What you should do is speak to the companies legal department for advice. Than you can either speak to an attorney of your own to prepare in case or wait to see what ends up happening. You may not even be a named party but as I said if you are simply speak to the station and find yourself an attorney who deals with this type of law. They will know exactly how to proceed and get you the best result


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