Times are tough.  Nobody even has to say it anymore.  It’s just a fact.  A fact that we’ve lived with for a few years now.  And while there are some things we can’t do about the times in which we live, there are also some things that we can do. Like protecting ourselves from losing the things we’ve worked so hard to obtain.  Protecting our assets. Some people unknowingly place too much confidence in prepaid legal services – a first attempt at legal protection.  Prepaid legal services are useful at the basic level.  However, there are some things that a prepaid legal plan can’t do.  Times when something more sophisticated is required.  Its limitations apply in tort litigation, criminal cases, and are of little help in traffic cases.  Additionally, there are catastrophic lawsuits where the existing insurance limits are exceeded and additional liability insurance is necessary.
Have you ever been summoned for jury duty?  Well, let me tell you a little about it.  You HAVE to go; no if, and, or buts about it. You are sometimes allowed to reschedule, but you’ve still got to do your time.  Missing work, school, birthdays, weddings, or whatever it may be is inconvenient to say the least.  What if the case continues on for weeks or even months?  Now can you imagine if you weren’t on the jury, but were the defendant?!  It can happen easier than one might think, especially for all you professionals out there. Thinking that you’re completely protected from lawsuits is a rather naïve assumption, especially nowadays.  Recent trends in court decisions have been holding HR practitioners, supervisors, business owners, and other decision-makers personally liable for their actions under several employment laws.