Author Archives: Christian Hopes

Why Do “You” Need Public Liability Insurance?

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In the past couple of decades the number of public liability cases has increased exponentially. This is also evident in the number of public liability insurance lawyers available in the market and the number of websites for law firms who specialize in public liability cases. This shouldn’t be news for anyone who has a company though. As more and more people see the potential to gain money by filing cases against corporations or even other people who they think have the money for it these cases are bound to increase eve more.

As a business you have to protect yourself from these cases and that is why your first order of business should really be to get yourself some public liability insurance. Public liability insurance will keep your investment intact because it can protect you from unnecessary lawsuits in the future without you having to go out and get yourself a lawyer to look at your public liability cases. Instead of having to get money from your revenue which would go into your business you insurance plan will protect you and thus insure that you don’t have to worry about spending a ton of money on protecting yourself later on.

As a business you have to maintain your earnings in order to make sure that you grow and can continue to earn from your investment. Don’t make the mistake of leaving yourself vulnerable. Make sure you get yourself a public liability plan that will keep your business growing and moving in the right direction.

Sometimes A Wrecked Car Is The Least Of Your Worries

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When I was in college, I bought myself a brand new Ford Mustang. It had always been my favorite car and after the end of an exceptionally difficult semester, I decided to treat myself. I was not prepared for how expensive the insurance would be for the sports car, so I took the bare minimum to cut costs. What I wish I had done is taken out some personal liability insurance in addition to the car policy.

After having the car only a few months, I was hit by another driver at an intersection. Despite the fact that I was not going very fast, I ended up injured pretty badly. I even had to spend a few days in the hospital. As unpleasant as it was to see my new car totaled, getting the hospital bill was even worse. And when I learned by the liability coverage from my vehicle policy only covered a fraction of that amount, I almost passed out.  This meant that I was liable for the remaining balance, which was well over $20,000. It took me years to pay down that hospital bill. The most frustrating thing about it is that an extra policy would have saved me all of that money.