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New bill may reduce number of frivolous lawsuits

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Though many lawsuits are brought for legitimate reasons, the American legal system has also been plagued by a number of unfounded legal claims. Unfortunately, these claims sometimes lead to mounting legal fees for innocent parties, including independent consultants and small business owners in certain cases.

In order to reduce the number of these claims and the damaging effects they may have on innocent defendants, the Lawsuit Abuse Reduction Act has been introduced by House Judiciary Chairman Lamar Smith of Texas. The Act would mandate that all cases brought to court be previously determined to meet legal interpretations and be based on fact.

“If a court finds that a case doesn’t meet this basic standard, then the attorney who filed must be sanctioned or held liable for the costs incurred by the defendant. The bill mandates that sanctions be imposed, but leaves the exact amount up to the court’s discretion,” said Representative Smith in Politico.

Until this bill becomes law, the number of unfounded law suits brought against innocent defendants may continue to rise and may potentially lead to bankruptcy for some small businesses, even if they win the cases, due to overwhelming legal fees. In order to have some protection against legal-related expenses, small business owners may wish to invest in professional liability insurance.

 

General Liability Insurance

What Is General Liability Insurance? Commercial General Liability Insurance protects small-business owners from claims of injury, property damage, and negligence related to their business activities.

Workers’ Compensation

What Is Workers’ Compensation Insurance? Workers’ compensation insurance covers your employees’ medical expenses and at least some portion of their lost wages if they are injured on the job.

Business Owners Policy

What Is a Business Owners Policy? A BOP is simply bundled insurance designed to provide essential coverage to certain business owners at a competitive price. A BOP insurance coverage includes

Professional Liability Insurance

Professional liability insurance also called , errors and omissions insurance (E&O; insurance), protects you if a client claims that your services caused them to suffer a financial loss. While general liability insurance is primarily focused on property damage or bodily injury,

Disability Benefits Insurance

Employers in New York State are obligated to offer disability benefits insurance to their employees. This coverage is specifically designed to provide financial assistance in the event of off-the-job injuries or illnesses.



Business Umbrella Insurance

Without Business Umbrella Insurance (also sometimes called Umbrella Liability Insurance or Excess Liability Insurance ), you would have to pay the uncovered expenses out-of-pocket. Even if you carry General Liability Insurance for your business, without business umbrellainsurance you might face a repair, settlement, or judgment in excess of your coverage limit.

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