What if my delivery driver damages a customer’s property?

As the employer, you would generally bear vicarious liability under principles connected to the Civil Code, Chapter 16 of the Laws of Malta, for damage caused by your employee's negligent actions carried out within the course of their employment duties, meaning you as the business owner would generally be responsible for compensating the customer for the damage caused by your driver during a delivery, since this falls squarely within their normal work activities on your behalf, separate from any potential personal liability the driver themselves might also bear. In practice, how this claim is actually resolved would likely involve your business's public liability insurance, if you hold such coverage, which is specifically designed to cover exactly this kind of third-party property damage claim arising from your business operations, meaning promptly notifying your insurer of the incident and cooperating with their claims process would generally be the most practical route to properly compensating the affected customer while managing your own financial exposure. Given the genuine importance of properly and promptly addressing this kind of customer property damage claim, both for your legal obligations and for maintaining your business relationship with the affected customer, it would be worth ensuring you have adequate public liability insurance in place going forward if this coverage gap contributed to any difficulty in resolving this specific incident, and consulting a lawyer if the customer's claim is disputed or significant in value.