If this were true in general, there wouldn't be any [liability insurances](https://en.wikipedia.org/wiki/Liability_insurance) - which covers exactly these cases.  

I'm in , and certain such liability insurances are mandatory, e.g. the registered keeper of a car has to have a liability insurance which covers e.g. also liabilities due to an accident that was caused by someone else driving this car.

However, there are also situations where the statement would apply. E.g., over here in [tag:germany], if an employee accidentally* causes damage to their employer (say, break their work laptop) the employee is not liable (it's considered a normal business risk of employers).  

*or even negligently, as long as it isn't gross negligence

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>  If you weren’t negligent then sure you didn’t do anything wrong

There is a concept of [strict liability](https://en.wikipedia.org/wiki/Strict_liability), where someone can be held liable even if they were not at fault. The idea is that some things are inherently dangerous but legal.

Examples (here in [tag:germany]) would e.g. be

- A car is considered to pose a certain inherent risk. There are certain requirements to minimize this (safetying, driver's licence, forbidding drunk driving ...), and the keeper of the car must have a liability insurance (to mitigate the financial risk for others).  

  However, [§7 StVG](https://www.gesetze-im-internet.de/englisch_stvg/englisch_stvg.html#p0014) does not require the keeper of the car to be at fault or negligent:

   > (1) If, during the operation of a motor vehicle, a person suffers death, the body or health of a person is injured or an item of property is damaged, the vehicle holder is liable to make compensation to the injured person for the resulting damage.

- Similarly, [§833 BGB](https://www.gesetze-im-internet.de/englisch_bgb/englisch_bgb.html#p3516) for pets:

  > If a human being is killed by an animal or if the body or the health of a human being is injured by an animal or a thing is damaged by an animal, then the person who keeps the animal is liable to compensate the injured person for the damage arising from this. [... exception: for non-pet domestic animals as long as the keeper was not negligent...]