You can stand to lose a lot in a personal injury lawsuit if you are liable. Accidents are the most common type of liability lawsuit in which you can lose assets. Personal injury lawyers usually file claims against the liability coverage but when you are underinsured, you can end up losing assets like cars and homes, and even your hard-earned savings. Keep reading to find out about ways to be proactive when it comes to avoiding an injury lawsuit.
1. Liability Insurance
Protect your business from personal injury claims by taking out a general liability insurance policy. It’s a small investment that will protect your hard work and effort from going under because of a personal injury claim. You may also consider property insurance with an included liability insurance policy.
You should have liability coverage as part of your homeowners, renters, and condo insurance policies if you run a small business out of your home. Such coverage protects you against any property damage, bodily injury, personal injury, and legal defense costs in the event that someone in your office is injured while on your property.
Many small business owners base operations from their homes and see work-related foot-traffic. If this is the case for you, it’s smart to be a homeowner who ensures that everything under your roof has enough insurance coverage. For example, the typical homeowner’s policy or renters insurance policy only offers limited coverage for valuable jewelry in the event of theft. However, if you get dedicated jewelry insurance, it will provide coverage for theft, loss, and mysterious disappearance worldwide with no deductible and no impact on jewelry insurance claims.
Jewelry coverage is a smart idea for any piece of jewelry with precious jewels such as earrings, bracelets, necklaces, an engagement ring, or a wedding ring. Whether you want to ensure an individual piece of jewelry such as a family heirloom or your entire collection of valuable jewelry, a stand-alone policy gives you the peace of mind that your valuable items are protected.
2. Prevent Accidents
Accidents happen, but you can proactively do your part to decrease the possibility of them happening. Take immediate action to repair damaged floors and clean all spills in the workplace. It’s considered negligence on your part in the event that someone is injured by falling on a dangerous floor. You’re also responsible for the structure of the building, which means that if an injury occurs because of the building’s facade breaks, it’s your negligence that will make you liable.
3. Handle an Accident Properly
Should an accident happen, it’s important that you know how to act responsibly during the event. Calling for emergency help is the first thing you should do, as it’s proof that you care about what’s best for your workers. The second thing you need to do is speak to accident witnesses and take written statements of what happened and how. Make sure the statements include names and contact information in case you need to submit them in a personal injury case.
4. Get a Personal Injury Lawyer
Even with proactive measures and the responsible handling of an accident, you may still find yourself facing a personal injury case. The good news is that you don’t have to face insurance companies and court proceedings alone. The best way to handle a personal injury situation is to reach out to a personal injury law firm with years of experience working on the ins and outs of personal injury cases.
Dante Law Firm, P.A. is a top-rated personal injury law firm representing clients with accident claims ranging in size and severity. Time is of the essence following an accident and the sooner you seek legal advice the better able you are to preserve evidence, find witnesses, and access incident reports. The seasoned trial attorneys at Dante Law don’t charge fees unless the client wins, and with over 25 years of experience, the law firm has a proven track record of getting results.
5. Teach Workplace Safety
You are responsible for training your employees in workplace safety practices. This should take place any time new employees are hired, as well as any time new safety practices are implemented. This is especially important if your employees use equipment that could be dangerous if not handled properly. Provide your employees with any safety equipment that can help protect them from harm while working.
Having liability insurance coverage, preventing accidents, knowing how to responsibly handle accidents, seeking a personal injury lawyer, and teaching workplace safety are all proactive ways to protect yourself from personal injury.