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Legal liability generally falls into three main categories that dictate when you are financially responsible for harm. Strict Liability holds you responsible for damages regardless of fault or intent, commonly applied to ultra-hazardous activities like blasting or keeping wild animals. Vicarious Liability holds a superior (like an employer) responsible for the actions of a subordinate (like an employee) performed during work hours. Product Liability holds manufacturers and sellers accountable for placing a defective product into the hands of a consumer, even if they were careful during the manufacturing process.

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