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Expert Answers to Biz Questions
Listen in! Pick up some expert advice to a reader's question that we selected from CyberSchmooz.
Avoiding Personal Injury Claims At Your Small Business
Running a small business in an unpredictable economy like the one you are currently facing can be a frustrating and scary thing. You probably depend on this small business as a means to support your family and without it, you might be looking at financial ruin. And, what’s even more concerning is that there really are a number of reasons that small businesses can fail. However, many of these reasons can be prevented with the right information and know how. Personal injury claims hold a huge potential for ruining your business, but there are ways to avoid these claims and prevent them from happening in the first place.
Get General Liability Insurance
You can take all the precautions that you want, but there are going to be times when accidents can’t be prevented. For instance, if a mailman or delivery guy slips on your steps and breaks his ankle he or she could potentially sue you. Even if the steps are within construction regulations and aren’t slick there is a potential for a lawsuit. And, this is where general liability insurance can come in handy. Not on will this specific insurance cover the medical costs of the injury, but it will cover the court related costs in the event that the claim does end up in court.
Always Have A Lawyer On Hand
Just because you have general liability insurance it doesn’t mean that you are fully protected. You learned above that general liability insurance would cover any court-related costs associated with the claim. When an incident occurs in your office or around your business there are going to be a number of things that run through your mind. The whole situation will be extremely stressful and nerve-shaking. Going up against a highly qualified Portland personal injury lawyer like the ones mentioned here will take an in-depth understanding of the law and great prowess. If you already have a lawyer on hand it is possible that they can work with the injured parties and convince them not to file a claim in the first place. Even if the injured party isn’t convinced to not file the claim at least you will have had the time to do your research and make sure you chose a qualified attorney to represent you.
Keep Your Place Of Business Maintained
Personal injury claims aren’t just about slips and falls. These kinds of cases can result from anything as simple as a piece of your building breaking off and hitting a customer. Maybe a loose tile falls out of the ceiling and hits someone in the eye. Make sure that you inspect your building on a regular basis. Go through it yourself or hire a safety inspector to thoroughly inspect every aspect of the building and make sure everything is up-to-date and in good condition.
Take Special Precautions In The Winter
Wintertime can be extremely risky for small business owners. If you have deliverymen and customers coming and going on a regular basis, you will want to make sure that you are salting your sidewalks, steps, and walkways. Make it a special point to arrive at work fifteen to twenty minutes early and tend to areas that need to be tended to. Even placing a matt in front of the entrance might offer more protection
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