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How to Avoid Frivolous Lawsuits

Frivolous lawsuits are every person’s worst nightmare. And it’s no secret that the USA is a litigious society.

Frivolous litigation is when one party sues another party while having disregard for the merit of the argument. In other words, it’s filing a lawsuit for reasons that most individuals would consider ridiculous. Unfortunately, lawsuits of any type can run up huge costs, often bankrupting a person or business.

A new lawsuit is filed every 20 seconds in America. Your odds of being sued each year are greater than ending up in a hospital. And the cost of defending yourself – even if you’re found innocent – can easily total up to $40,000 or more.

The good news is that there is a way to protect yourself. Taking out liability insurance ensures your legal costs are covered if you are sued. This holds whether you are sued for frivolous reasons or otherwise.

Examples of Frivolous Lawsuits

It’s estimated that Americans spend over $300 billion a year in litigation. And the cost of frivolous lawsuits can be huge. In 2016, Subway was looking at setting a class-action lawsuit because its “footlong” sandwich was discovered to be one inch shy of a foot. Attorneys involved in the case were to receive $520,000 in fees, but the judge dismissed both the settlement and the case.

There’s also a case where an Aunt sued her nephew for $127,000 after the hug he gave her caused her to fall and break her wrist. There was even a man who tried to sue a dry cleaner for $54 million after they lost his pair of trousers. While most of these lawsuits are ultimately unsuccessful, it’s important to note that they can still cost the accused thousands of dollars in legal fees. In rare cases, they are successful. Then those costs can run into the hundreds of thousands or even millions

XINSURANCE: Liability Insurance and True Umbrella Coverage

XINSURANCE has been providing true umbrella coverage solutions for liability insurance for over 30 years. We fill in the gaps in your personal or business insurance plan – exclusions, conditions, and limitations – that can add up to thousands of dollars if you’re sued. Legal plans simply don’t have the expertise to customize the way we do… let alone to defend you if you fall victim to a lawsuit.

XINSURANCE is powered by Evolution Insurance Brokers, LC (“EIB”), an excess and surplus lines insurance brokerage, and through our “all-in-one” approach, we can offer our customers fully customized coverage solutions. We’ll give you coverage if you carry out a high-risk activity or run a business that’s considered high-risk. We can even offer coverage solutions to those with a claims history or to those who have been refused coverage in the past.

Did you know there were over 21 million lawsuits filed in the United States last year? XINSURANCE provides you with a partnership approach with people who provide the protection, deliver the coverage, and defend you if you do get sued – even if it’s for frivolous reasons. True peace of mind comes with having true umbrella coverage for liability, and XINSURANCE is proud to offer this to its customers.

How to get in Touch with XINSURANCE

If you need liability insurance, get in touch with XINSURANCE today. Call us on 877-585-2853, email us at or visit our website to view our extensive product line. You can also click for a quote with absolutely no obligations.

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All individuals and businesses deserve to go about their daily lives without fear of facing a frivolous lawsuit. Thankfully, XINSURANCE has your back. No matter what activities you carry out, we can get you the coverage you need.