responsible party
The person, group, organization, country, etc., that is liable for something, the source of something, or the authority over someone or something. If you take a piece of equipment out of the office, you are the responsible party should something happen to it. The investigation identified several banks as responsible parties in the start of the financial crisis. It is the responsible party's duty to be aware of and understand the benefits and limitations of the insurance policy before making a claim.
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