Tag Archives: liability

Dog Bites

Did you know that there are millions of dog bites every year? Sometimes dog bites result in serious injuries. If your dog bites someone, in most cases, the liability is yours. The bitten person may have a legal right to damages. It’s important to understand your responsibilities in the event that your dog bites someone. You should also take steps to avoid the likelihood of a bite.

small-dogIf your dog is aggressive, you can take simple steps to minimize your liability. Keep the dog away from people. Don’t walk the animal in public parks or in areas where there are likely to be crowds. You can also reduce the likelihood of a bite by putting a muzzle on the dog when others are near the animal. Never let the dog off a leash or let it run free. You can reduce your liability merely by avoiding situations where a bite is likely to occur. If there are visitors to your home, lock the dog up securely in another room or in a crate.

A good animal trainer can help you learn to control aggression in your dog. You should learn as much as possible about the animal’s breed. Some types of dogs are more likely to be aggressive than others. These types of dogs are best kept out of situations where they may be approached by children or other strangers. Children can easily frighten an animal which leads to a bite. The dog may become aggressive if it thinks you are threatened in any way. It’s natural for the animal to be protective of you, but it can be disastrous if a person is harmed.

You should purchase insurance to protect yourself in the case your dog bites someone. Your liability is significant if the animal hurts the person. Most people have liability policies for dogs that pay out a maximum of around $100,000. This may not be enough to cover the damages. There have been cases where dogs have seriously injured people. If someone sustains significant harm, you may need to turn to an umbrella policy to cover major damages. It’s a good idea to talk with an experienced insurance agent about your coverage in the event of a dog bite.

Social Networking Legal Issues

social mediaSocial networking has provided new opportunities for businesses to reach customers and promote their products and services. However, social media tools can present tricky business law situations just like other types of correspondence. Social media is public and many people can view the statements on the company’s accounts. It’s important that these accounts reflect the company in a positive light.

Some businesses have dedicated social media employees. In other cases, a variety of people have access to the company’s social media accounts. The best way to prevent problems with social media is to have clear policies and train employees thoroughly on these policies. Many business law attorneys help companies draft appropriate policies to prevent problems in the future.

What kind of business law issues do social media accounts present? There are a variety of business issues to consider. The first is discrimination. If managers or other employees make discriminatory comments on social media, the company can be liable for these statements. Sexual harassment is another potential business law concern. There have been cases where managers or other company representatives harassed or appeared to harass workers through social media. The company has significant liability in these cases as well.

Insider trading is another potential business law issues. If your company is publicly traded or is part of a regulated industry, employees may create problematic posts without understanding the repercussions. If they disclose information that affects trading, such as leadership changes or product releases, this can expose your company to significant risk. In financial and banking companies, there are very strict federal regulations concerning what kind of information can be disclosed. An inappropriate post could create a serious legal situation.

It may seem like a good idea to have employees share positive reviews of the company on blogs and social media accounts. This actually presents business law issues. In these cases, the workers must disclose that they are being paid to write the reviews or that they are employed by the company.

What can you do to prevent these issues? Consult with a internet law attorney to gain an understanding of your company’s exposure to risk when it comes to social media. Carefully control the comments and posts that are issued on your company’s behalf. You should limit access to these accounts to workers that are reliable and conscientious.

The Benefits of Commercial Business Insurance

business insuranceCommercial business insurance is a necessity for any business offering services for hire. The business insurance that covers commercial services has a whole different aspect than personal insurance. There is a confusing amount of information that you will need to go over to decide which business insurance is right for you. Finding the right insurance broker for your business insurance could be the key to keeping your sanity.

Finding the Right Broker

The first place you should check is with your personal insurance agent. Many personal insurance brokers are licensed to carry business insurance. If they are not, then they can offer you a good choice of names in your area. Finding the right business insurance broker may take a little while. You do not want to jump at the first person you meet. Take your time and do interviews with the brokers you think may be right for your commercial insurance needs. You will want to make sure you feel comfortable with them before you decide. Another good point to remember is to choose a broker that is going to be able to handle all your business insurance needs and be able to advise you properly on which types of business insurance you will need.

Types of Business Insurance

There are at least two types of commercial insurance that all businesses are required to carry. That is liability and property damage business insurance. Liability insurance will cover the cost of any accident that harms a customer physically while on your property or being transported by your property. Property damage will cover any damages done to their property while you are working on it, with it or carrying it.

Depending on the type of business you have there may be other types of business insurance you will need. A good broker can let you know exactly which types of business insurance you will need to have.


When you decide to start a business, make sure to do plenty of research. Understanding your business is essential to selecting the right coverage.


Do I Need Business Insurance?

Every business owner will need to check into insurance. There are thousands of types of business insurance for you to choose from and every type of business will have different requirements for their insurance needs. But in order to protect yourself from having to pay out thousands of dollars, you should carry some type of business insurance.


How to Start

When you first decide to start a business, you will need to do some research on what type of business insurance you need. Most businesses will need to at least carry liability insurance. This insurance will help to cover any expenses incurred from damage to customer property. Even the smallest businesses are required to carry liability business insurance.


If you plan on having any company vehicles, you will need business insurance to cover your automobiles. This is totally different from your personal insurance for your car; the business insurance for vehicles will have a higher coverage limit than personal coverage does.


Find the Right Business Insurance Broker

Your local Better Business Bureau will have a list of reputable business insurance brokers in your area. You may also ask some local business owners that you know. They can give you first hand advice on who to use and how good they are. Your own personal insurance broker may be licensed to carry business insurance.


Do some interviews with business insurance brokers to see who you feel most comfortable around. This person will work very closely with you to help you choose which business insurance is right for your company. They will also be able to give you advice on how much coverage you will need to carry. All this information will come in handy when you go to choose the business insurance you will need.


The best advice for any small business owner is, to thoroughly research every aspect of the business you will be opening. Each type of service you offer will require a certain type of business insurance to make sure your assets are safe. The right business insurance could keep you from losing everything you have worked so hard to create.


The Benefits of Worker’s Compensation Insurance