If, e.g., as sometimes happens, the man, after a time, more or less, recovers the faculties of which the injury to his brain had deprived him, and that not in consequence of a renewal of the injured part, but in consequence of the inhibited functions being performed by
the vicarious action of other parts, the easiest explanation certainly is that, after a time, consciousness constitutes the remaining parts into a mechanism capable of acting as a substitute for the lost parts.
The coverage does this by treating a «dishonest, fraudulent, criminal or malicious» act
of either the insured or
of others for whose
actions the insured might be liable (for example, under the doctrine
of vicarious liability) as an «error, omission or negligent act» as described in the policy.
Having a managing broker's license also open you up to
vicarious liability if you run a brokerage as you'll be susceptible to the consequences
of your `' employees» (
other representatives)
actions if they are against the law.