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Recent Business Insurance questions

Do u think I should get some kind of business insurance for

Hi MarcDo u think I should get some kind of business insurance for this video website business?

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Marc

Attorney at Law

JD

650 satisfied customers
I'm a sole proprator difference between: Occ/Acc coverage

I'm a sole proprator difference between:Occ/Acc coverageLong term disabilityShort term disabilitybusiness overhead insurance.So I don't double cover my self I wanna know if any of the foregoing coverages cover same things as another in the list.

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Law Educator, Esq.

Attorney At Law

Doctoral Degree

119,244 satisfied customers
My 36 year old son, who resides is Fl is in a very difficult

Hello- My 36 year old son, who resides is Fl is in a very difficult situation. He had an at-fault auto accident in Sept, and had basic required liab and property limits. At the time of the accident, he was delivering to-go food orders, and was unaware that the insurance company denies coverage if you are delivering food. The insurance co sent him a registered letter stating NO COVERAGE because of the food delivery. My son was unaware he had no insurance. I'm sure the legal system will come after him. He has no assets- Maybe $2,000 in bank, married with a 4 yr old child, and is working for $11 per hour. He and his family make it at this time only with my financial help. I'm age 73, and can't help forever. Please advise-- THANK YOU!!JA: Because employment law varies from place to place, can you tell me what state this is in?Customer: State of Florida-- Orlando FLJA: Has anything been filed or reported?Customer: Police report at time of accident - Only legal correspondence is the certified letter my son got this past Saturday, that stated insurance co was denying coverage because of the food delivery. Again, my son felt his was complying with the law by carrying basic liability insurance.JA: Anything else you want the lawyer to know before I connect you?Customer: My son and his family have no assets-- His Mom (my ex-wife) passed away in Apr - gave them her house (not yet have title). The home is part of a tri-plex, has mimimal equity, at this time I pay the mortgage because they are financially unable, and I don't want them on the street. My son is bi-polar, on medication, and is trying very hard to take care of his family. Wife unable to work at this time, so a very difficult situation.

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Gerald, Esq

Juris Doctor

7,596 satisfied customers
I have two businesses in NJ that provide basically the same

I have two businesses in NJ that provide basically the same type of services, however, they need to remain separate.We presently have full insurance coverage on both companies and pay for full insurance coverage on both companies, which is extremely costly.I was wondering if there is a way, and would it be more cost effective, to open a company to just own the trucks where both companies operating now, could lease the trucks rather than own them. Thank you, Suzanne

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Ely

Counselor at Law

Juris Doctor

69,922 satisfied customers
I am a small business owner of an S-Corp and want to provide

I am a small business owner of an S-Corp and want to provide my employee a company car.I would like to have the employee drive the car I personally own and do not now use for business because it represents the lowest cost (its paid off) to get a vehicle to the employee for a 1 year period. (I will borrow a car for my personal needs.)Do I need to transfer the title to the company or can I / should I leave it in my name and just get the commercial insurance for it?What else should I consider?Thanks

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legalgems

Juris Doctorate

19,724 satisfied customers
Home Insurance vs. Business Insurance.. Recently I

Home Insurance vs. Business Insurance.. Recently I purchased a vehicle for business purposes through my company, ABC, LLC. ( S-Corp) single member (Myself as the only member). What is the difference advantages/disadvantages of insuring the vehicle through me personally vs. through ABC, LLC in a liability perspective? NOTE: Some of my employees may drive the business vehicle at different times. I do get a significant discount insuring the business vehicle through me personally due to a multi policy disc

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CalAttorney2

Attorney

Doctoral Degree

20,486 satisfied customers
I am considering holding a one day small music festival on

i am considering holding a one day small music festival on someones property with a 10 acre estate this summer . what type of contract / lease would you think i would need from the owner of the property? he has already given me his cost to rent for the day . would i need insurance or would i fall under his homeowners policy ? i will be selling tickets at $50 per person and hopeful approx 400 people wilt show up . could you give me some simple advice as to legalities , contract, lease and insurance .thank you

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LawTalk

Attorney at Law

Juris Doctor

38,576 satisfied customers
AGAIN - I received a series of questions from the Defendants

HELLO AGAIN -I received a series of questions from the Defendants lawyer asking for responses to questions and asking to produce documents about this lawsuit in 30 days time.I responded with the answers and produced documents that shot down his countersuit saying he had not been paid. His lawyer told me that the lawyers son had been in an accident and had sever head trauma and just to hold on to all of my documents and we would get back to them if I could give him some time to assist his son. No problem - I had compassion for him. I then sent back in the same legal form the same exact questions and asked for the same exact documents in the same legal form that he sent me, only reversing the plaintiff/defendant pose in the wording. ONe day before the thirty day cut off, I received his response to the documents, not the questions, that said that I was overreaching, he was not in control of the documents (including any documents that said that he was underpaid or not paid) and saying that I was concluding legal answers like he was suppose to escrow the money, have a license, advertised that he was bonded and insured , which he did advertise - and generally saying that he was not in possession of any documents that would fulfill my quest for documentation. There was a small blurb at the end of several of the requests saying that he might produce some documents if he was able at a future date. I spoke briefly to the lawyer on the phone and he said he had filed for a dismissal of the counterclaim of non-payment and also filed in the court something called special exceptions. The Defendant also has not answered any of the request for answers to the questions, only this 16 page document refusing or denying any ability to show documents. I called the Court and she said that she would send the filed paperwork to me without telling me what the special exceptions were. Who's responsibility is it to send the Plaintiff paperwork filed by the Defendant? And how can the Defendant just refuse or not answer questions like "do you have business insurance" or "were the painters at my house that you sent on your payroll as employees or are they subcontractors"? The thirty days required to give answers and send documents is over. No questions were answered and all document questions were answered with the rebuff of "not under the control of the Defendant". I was asking for vendors receipts, etc. that showed what type of materials he used on my home and he refused to give me during the construction process. Am I being blown off here?

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Law Educator, Esq.

Attorney At Law

Doctoral Degree

119,244 satisfied customers
Does an independent sales contractor have any liability when

Does an independent sales contractor have any liability when the owner of the company fails to deliver services later by going out of business? The sales contractor executed the contract on behalf of the company. The contract was not an employee or partner in the business but received a commission on the sale. The services were initially fullfilled and later (6 to 9 months the company went out of business.

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Gerald, Esq

Juris Doctor

7,596 satisfied customers
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