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meghananne23 | Can you buy legal insurance to help you in case you get sued? |
I am starting a small business and know there are risks of getting sued for crazy reasons. Please share any details! THANKS! |
 |
 
Faye H
|
If you incorporate the business, you will protect your personal assets from lawsuits. If you are a sole proprietor, your personal assets are on the line so if you can, incorporate. At least that way, if you were to get sued, your personal assets are protected.
Normally, people in business buy liability insurance to protect them. Talk to an insurance agent about what types of insurance you will need for your business. If you have any employees, you will need Worker's Compensation. If you have tools or inventory, you'll need fire and theft, etc. You'll also need liability and that could take various forms. If you are manufacturing a product, you'll need products liability. What you'll need in the way of liability all depends on what the business is that you are doing.
Your best bet would be to talk to an insurance agent.
You can buy legal insurance but all that does is provide an attorney to defend you. It doesn't pay the person that sued you if you lose the lawsuit. Liability insurance would pay the claim (assuming it is a covered peril e.g., you weren't doing something illegal) and would also defend you too. |
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mbrcatz
 |
It's not legal insurance you want, but BUSINESS insurance. General liability is what defends you, if you get sued. Now, it doesn't cover EVERYTHING, but it's pretty broad. There's also EMPLOYMENT liability, that would cover a discrimination suit from an employee. And if you have employees, you'll need workers compensation and employer liability (on the same policy). Suits related to the use of an auto would require BUSINESS AUTO coverage.
So it's not legal insurance, it's just about everything else. Prepaid legal doesn't cover lawsuit kinda stuff. |
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Travis
 |
Talk to your insurance agent. There are all kinds of business insurance programs out there. It all depends on the business and how much coverage you are looking for. Liability insurance is something you need to look into. |
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MTR
 |
First of all, insurance will usually pay your cost of defense if you get sued for something covered under your policy of insurance. The key is to make sure you don't have a "hole" in your insurance coverage. The insurance company doesn't give you a choice as to whether or not they pay a claim presented, so they agree to provide you with defense if you are sued for something covered under your policy.
Talk to an independent agent in your area, get good coverage, and then don't worry about it. |
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529s.com
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Don't buy Pre-Paid Legal garbage. You need business insurance. Definately meet with an insurance professional to discuss the type of work that you will be doing and how to protect it. |
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gatorgirl
 |
Well, you have been given some incorrect information. I am a prepaid legal associate and we use only the top rated attorneys in each state. you would like to take a look at our service, they can help you. We have a small business plan and family plans. Let me know and I will send you our website. |
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efrankbkkcam1
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they have some |
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Bombadil
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I have seen prepaid legal plans, but in my experience they tend to be staffed with bottom-feeder attorneys. You may be better off to form a relationship with a reputable local attorney that you can trust, and retain him or her as needed. |
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