5 Ways To Protect Your Business From Liability Suits

A responsible business owner should always be aware of the liability laws in their state of operation.  Even more, it should be the top priority to make sure that no harm comes to any patron on the property at any time.

Protecting the public from unnecessary accidents and harm requires going to great lengths to assure safety and visibility at every twist and turn of the property.  It is crucial to understand the different types of liability under the law.  Here are a few of the most effective ways to protect a business from a possibly lengthy and expensive liability suit.

Premises Liability

If a customer or a company employee is injured on the property, it could be very bad for business.  Legally, property owners are responsible for the financial repatriation of any injury that is deemed the fault of the establishment.

In this type of lawsuit, the status of the individual is a vital variable.  For example, there is the status of invitee, licensee, or trespasser.  There would be much less liability to the protection of an individual that is determined to be on the status of trespasser than a person under the status of an invitee.

Product Liability

This term refers to an injury caused by a particular defect in a product a company provides to the public.  Selling a product that is dangerous by default is a breach of product liability.

In this case, it does not necessarily have to injure the consumer.  If the product is unable to be used for its intended purpose, then the business owner could be faced with a liability suit.

Vicarious Liability

Even if the product or company does not do harm to a customer, the company could still be liable if an employee causes a client harm.  The term vicarious liability refers to the transferred responsibility.  The employer is responsible for the negligent act of their employee.  Strict screening and adequate employee supervision is one proactive solution to this liability nightmare.

Negligence Liability

Negligence liability suits typically involve instances where a patron was injured because the business failed to provide the necessary safety precautions.  For example, a customer slips and falls while there is no “wet floor” sign present, or a broken front step causes a patron to twist their ankle.  These are issues that could have been avoided if the business fulfilled its legal responsibility to public safety.

Worker’s Compensation

Customers and the general public are not the only groups of people that a company is liable to provide a safe environment.  Employees are allotted the same right through the eyes of the law.  If an employee is injured on the clock, then the company could be liable for their medical attention.

How to Hire The Right Lawyer For You

Life can often present us with some sticky situations in which we are going to need legal representation. We are not just talking about a criminal charge like a speeding ticket a DUI or an assault charge, legal representation can also be needed after an incident in the work place, a divorce or even a malpractice suit from a hospital visit.

You may think that you’ll never need one but should the situation arise whereby you need representation it is important that you do all that you can to hire the right lawyer for you and your case. Let’s take a look at some of the aspects you should be looking at when it comes to hiring a lawyer.

Specialization

Whilst many law firms will have various branches which look after specific aspects of the law, it will be important that you look to hire a specialist for your case. There are many ‘Jack of all trade’ lawyers out there and whilst these may be able to give you solid representation, hiring a specialist will be the best course of action for you to take. In order to gain the best possible outcome a specialist lawyer will be the best option for you as they will know this area of the law inside-out including historical cases and of course, how to get the strongest verdict possible.

Reviews

Lawyers are judged wholeheartedly on their abilities to win cases and when searching for a lawyer you should spend some time investigating the track record of a number of different lawyers. Winning cases comes in many forms, reduced sentencing, case being thrown out and even suspended sentencing and you should use all of your resources to find out how successful the history of a lawyer is before hiring. Many lawyers will tell you how good they are but the only way of finding out for sure is to look at their history.

Meet With Them

You need to ensure that you have a lawyer who believes in you, is very knowledgable and has a good bedside manner. Going through legal proceedings is alien to many of us and as such it is important that you have someone who is on your side at all times. To try and find the best lawyer for you in this regard you should sit down and have a meeting with a few different lawyers. There is no obligation to hire a lawyer after a meeting and you can really get a flavor for how they work and how you feel when talking to them. Finding the right blend of a good lawyer and one with strong personal skills can be tough but sitting down and talking through your case will be one of the best ways for you to find out if you can work with this particular professional.

Cost

The cost of the lawyer will of course have to be factored in, like many things in life, the best lawyers charge the highest fees. You may wish to try and save money on your legal representation but it important to know that generally speaking, you get what you pay for so if you can squeeze out some extra money for your representation then you’d be well advised to do so.

Three Things You Should Be Doing To Protect Your Money And Your Health

Poor health care can cost you a lot of money. Not only does it shorten your lifespan and make life more difficult, but it also drains your bank account and your savings. Even if you have health insurance you may still be paying a good deal of money if you have major health issues or illnesses.

From pregnancy to a broken leg, and from diabetes to cancer, medical conditions are costly. Plus, you run the risk of complications, in pregnancy and in surgery. Saving money when it comes to healthcare starts with eating right and getting physical activity into each day of your life, and it continues with the following things.

Know Your Rights As A Patient

You never have to take a medication just because your doctor recommends it. Take the time to weigh the pros and cons. Talk to them about why they want to prescribe it to you and whether or not there are any other options.

While malpractice doesn’t happen constantly, it could happen, so you want to know what your risks are when it comes to going under the knife. Look into your doctor’s history. Talk about all the things that could go wrong during your surgery. Make sure you weigh the risks of the surgery against the chance that it will actually help you.

Invest In Insurance

Make sure that you do have medical insurance. Get it now, before you have something go wrong. Changes are coming to coverage when it comes to insurance and you may find that if you get sick without insurance you won’t get coverage for your illness once you do get it.

Insurance isn’t always cheap, but it can seriously save you some money in the long run. Insurance doesn’t always cover everything. You may want to make sure that you have some sort of discount plan that also covers your prescriptions (which can seriously add up).

Have A Savings Account

Your savings account is your lifeline. Without one, you don’t have money for emergencies. You can use money from your savings account toward medical expenses if you need to if you need some money in an emergency. There are also medical savings accounts you can look into specifically for money that will go toward doctor’s appointments, visits to the hospital, and even medication expenses.

Putting away money for the things that you may (or may not) need in the future is a good, adult thing to do. You may want to save money even if you have credit cards, insurance, and other ways to gain access to money, simply because it is a wise thing to do. Many people live paycheck-to-paycheck these days, and a savings account is the one way to get out of that pattern.