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Personal Liability

Frivolous litigation is essentially lawsuits that have no legal merit – no legal sense – and usually little chance of being won. These kinds of cases typically seem so ridiculous that most people can’t help but snicker when they hear about them; like suing the restaurant where you dropped your coffee on yourself and got burned.

Other examples of such trivial pursuits include football fans who sued referees, fathers prepared to litigate over their fifteen-year-olds’ positions on high school athletic teams, a purchaser of Cracker Jacks who demanded damages for a missing prize, and a McDonald’s customer who sought $15,000 for damage to his teeth and marital relations caused by a defective bagel.

And even more amazing than the fact that these claims even exist is the fact that there are real costs associated with frivolous litigation; even as high as a six-figure jury decision.

Even if a case is thrown out or won, it still costs money to defend.  The claim alone also drives up the price of products and services for a business.  And often defendants choose to pay a small settlement in place of following the litigation costs through the court process.

Additionally, in the United States, Rule 11 of the Federal Rules of Civil Procedure and similar state rules require that an attorney perform a due diligence investigation concerning the factual basis for any claim or defense.  So, even when a claim seems preposterous it is legally required to review and investigate the claim; which naturally incurs cost.

For these reasons some businesses and employers may be tempted to let an employee or contracted individual, found involved in frivolous litigation, stand for him or herself.

XINSURANCE is a professional insurance provider taking care of those who are in need of supplemental and gap insurance.  Whether you are a medical professional, a public servant, security personnel, or in any level of business management, XINSURANCE can provide you personal liability insurance and lawsuit protection.

At you can customize your additional liability insurance that will protect you in all the areas that your other insurance policies won’t.  Contact us for a liability insurance quote and an overview of where you may show areas of risks.