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I run a yoga studio and have general liability and

Hello,I run a yoga studio and have general liability and professional liability insurance. My landlord keeps rejecting the insurance stating:Property Insurance certificate is missing. Your current policy does not provide property coverage. A minimum $5,000 coverage including tenants betterments and improvements, sprinkler leakage, glass coverage, equipment breakdown is required.However, all insurance agents tell me that this is landlord's (owner's) responsibility and they do not offer it to leasers that do not own the property. He is threatening to charge me $25/day that I don't have it.What options do I have.

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Loren

Juris Doctor

 
34,560 satisfied customers
This question is lawyer that is licensed in

This question is for any lawyer that is licensed in California! Is there a legal requirement for a licensed architect or engineer (in California) to have a minimum amount of insurance coverage for a professional liability policy in California?

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LawTalk

Attorney at Law

Juris Doctor

 
30,966 satisfied customers
My son was in an accident over a year ago in August 2014 and

My son was in an accident over a year ago in August 2014 and got representation from an attorney in a large Law Firm within the two (2) required weeks after the accident. He was not at fault in the accident but has medical issues resulting from the accident. His car was repaired and he has continually received medical care since, even after his PIP ran out. He has had to self pay for his medical care since May 8th, 2015. Since the beginning he had problems receiving communications from his attorney. He would call and leave messages but not be called back. About 6 months after he signed on with this attorney he was notified that his Paralegal was let go and a new one was on the case. He still has not received answering messages from his calls to them regarding his case. Now, after a year and one month has gone by, my son has received a letter from the attorney saying that he must immediately seek another attorney to represent him as his case is time sensitive, and then gave him the name of an attorney to call.My question is - Can this attorney - who obviously hasn't cared and or done anything about my sons case- can he be held accountable for his inaction and for putting my sons case in peril?

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Dimitry K., Esq.

Attorney at Law

Doctoral Degree

 
46,548 satisfied customers
We have professional liability insurance business.

We have professional liability insurance for our business. Recently we had a client who was unhappy and decided to lie to detectives that we stole their money for a $30,000 project. The client also got $7,900 in chargebacks (Even after receiving 95% of what she paid for). Now as the owner of the business I'm facing two felony charges. Does professional liability insurance cover the legal costs associated with this?

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Dimitry K., Esq.

Attorney at Law

Doctoral Degree

 
46,548 satisfied customers
I am a Licensed Professional Counselor in North Carolina doing

I am a Licensed Professional Counselor in North Carolina doing Christian based therapy. I am on insurance panels and take self-pay clients as well. I do not take Medicaid or Medicare or Tricare.I am expanding my business to do seminars for the Christian community. These seminars will be on divorce recovery, overcoming eating disorders, practical aspects and recovery from trauma, etc. They will be day-long seminars with a cost of $95-150.My questions:1. I think I need to do an LLC. Could I do this myself through Legal Zoom. I wanted to save my legal fees for my forms review and do as much as I can myself. Is this OK?2. My professional liability insurance covers my work as a therapist, pastoral counselor and "speaking engagements". Should I get another type of insurance for my seminars? General liability? Not sure what kind of insurance to get.3. Am I allowed to advertise my seminars in my clinic office? Can my clients come? Or do I need to keep it completely separate.4. Is there anything that prevents me from tailoring my seminars toward a Christian audience? What protection do I need to be able to offer "Christian based seminars"? I will be doing for-profit business promoting seminars.Thank you!

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Gerald, Esq

Juris Doctor

 
4,752 satisfied customers
Incorporations (Perhaps a legal question or??)As a Mental

Incorporations (Perhaps a legal question or??)As a Mental Health practitionerI have an S-Corp and I wonder what is the best way to CLOSE a business. I have only 5 clients left (and they will soon be done). At which point I will be doing work for only one (non-insurance) organization that asks me to evaluate about 5 individuals a year and pay me / individual on whom I do a Psychological Evaluation.Do I have to maintain a business to continue with these? (or just my Psychologist license?)If I have ZERO clients --individuals or organizations-- do I have to maintain the businessjust because I have stored files and pay storage and phone for a reasonable time there-after?What else should I be thinking about in closing a business of this type? I am an Inc. in Minnesota and a Foreign Inc. in state of WA.

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Gerald, Esq

Juris Doctor

 
4,752 satisfied customers
I have an an opportunity to represent a private non US based

I have an an opportunity to represent a private non US based investment fund to US investors. I am not licensed as a broker dealer or sales person with securities exchange.Fund facts:- Funds are non US based, private, and not traded on any exchange.- Fund registration is exempt under Dodd Frank for up to X number of US investorsOn the subject of whether licensing would be required of me to represent the fund, the following information on the topic was given to me by the fund.Could you confirm what is written below?--------------------------------------------------------------------------------On the issue of licensing, you will share in our Dodd-Frank exemption, if you are under contract with us.Per our legal team:a.) Third Party - - If you were a third party, you would need a securities license. For example, if you present yourself as "Yourself Financial Services", then you need a license; or, if you were under a third-party contract instead of directly with our fund, you would need a securities license.b.) Non-Exclusive - - If you represent more than one fund company (e.g., if you were selling another fund as well as selling our fund) then you would need a securities license.c.) Captive - - If your contract is exclusively with our fund, then your are legally a commissioned sales employee, and if our fund is the only financial service that you represent, then you share in our exemptions, and you also share in certain benefits, such as the professional liability insurance coverage.

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Law Educator, Esq.

Attorney At Law

Doctoral Degree

 
104,184 satisfied customers
We are a CPA firm. We sent out W2 payroll forms by UPS to our

We are a CPA firm. We sent out W2 payroll forms by UPS to our client. We have a security camera footage of us putting the forms (about 300 in 4 packages - packages already had delivery labels on them) into a locked UPS Box in front of our building in Los Angeles. Somehow, UPS said that they did not receive the packages. All 4 packages disappeared out of UPS Box.(No damages on the UPS box-maybe an inside job from UPS.) Someone opened the 3 packages, stole the contents and mailed the envelope only to the destination as we labeled them out of San Bernardino, CA via UPS. One of the package is no where to be found. The clients are very upset. W2 forms has Social Security number, name and address of the person. What are our legal responsibilities in this case and what do we need to do to protect the security of the people whose W2 disappeared and are in the hands of someone unknown...

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LawHelpNow

Attorney and Counselor at Law

Doctor of Jurisprudence

 
6,720 satisfied customers
Got a severe nail infection from a local salon. Diagnosed as severe paronychia. 3 doctor

Got a severe nail infection from a local salon. Diagnosed as severe paronychia. 3 doctor visits with top NYC dermatologist/surgeon--required incision and drainage and 2 week-cycle of antibiotics.Also lab fee for the culture. Salon owner very sorry, agreed to pay medical costs but wanted to wait and see how much the bills and my out of pocket expenses totaled so she could decide if she wanted to put it through insurance or pay it herself. I kept her informed every step of the way. I thought it was going to be straightforward.Now that we know the total costs, she won't do either. I have been one of her longest and best clients for a decade.She will not give me the name and contact of her insurance company and apparently was just stringing me along. How can I find out who insures her or is that even the right way to go. Medical bills approx. 900. My out of pocket expenses for medication--expensive antibiotic and three trips to doctor were about 150.

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Gerald, Esq

Juris Doctor

 
4,752 satisfied customers
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