So, What If I Get Sued?

We hear it said all the time: We live in a litigious society.

Before we get started, the simple definition of the word “litigious” is: inclined to go to law; tending or wanting to take legal action.

And so we do live in a litigious society! And as a business owner, you should be aware that more likely than not, you will be a target.

In 2010, the number of lawsuits filed in state courts was over 15 million. That is approximately one new law suit every two seconds. In terms of population, that’s one law suit for every 12 adults in this country.

During the same timeframe, the swelling numbers of malpractice law suits and resulting soaring premiums for malpractice insurance forced 10% of American obstetrician/gynecologists to stop delivering babies.

You will want to be sure that your general liability insurance is appropriate for your risk. It is that policy which protects your business when it is sued for something that is alleged your business did or did not do which contributed to property damage or personal injury to another person.

Furthermore, this coverage will pay those damages, but it will also pay toward the attorney fees and court costs, whether the law suit has merit or not.

The exclusions which usually go along with this sort of policy include employees’ claims of wrongful termination or discrimination, harassment, or wrongful termination. These sorts of suits are addressed by professional liability coverage and employee related practices coverage.

Don’t risk all you have worked for by neglecting this important coverage. Your licensed insurance professional will guide you to what coverage is needed today, and more important, how to protect the future as you grow your business.

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