The agent will remain liable for his or her own negligence in addition to the principal's liability. The four elements of negligence in Florida are: duty of care, breach of duty, causation, and damage.Here's how they are broken down. HB 837 provides a presumption against liability if the property owner follows and completes their checklist of precautionary measures and requirements. A negligence claim based on a property owners liability for people using the owners property is a premises liability claim. This appeal arises from a tort action based upon an allegation of negligent supervision in the schoolroom. If an insurance agent fails to live up to these obligations, it could mean that you are stuck with inadequate property insurance coverage. Claims filed under General Liability or Automobile Liability coverages allege negligence on the part of a state employee, agent or volunteer. Florida law currently does not apply the comparative negligence approach in actions based on intentional tort. Principal-Agent Relationship: Vicarious liability is based on a principal-agent or employer-employee relationship.