I just pullled up the definition to make sure that I answering your question:
Respondeat superior (Latin: “let the master answer”) is a legal doctrine which states that, in many circumstances, an employer is responsible for the actions of employees performed within the course of their employment. This rule is also called the “Master-Servant Rule”, recognized in both common law and civil law jurisdictions. In a broader scope, respondeat superior is based upon the concept of vicarious liability.
In my private business, I am my own superior and am therefore wholly responsible for my action. Ultimately, this is why I carry a liability insurance.
When I act as an employee, my employer is ultimately responsible for any legal ramifications even though I may suffer consequences in relation to my employment.