Apples are wonderful, but it only takes one bad apple to spoil the bunch. The same can be said of employees. Most are wonderful, well-intentioned contributors to a culture of success. However, one employee acting irresponsibly can cause a great deal of harm to any organization. For example, take the recent case of Pennsylvania State University and their former assistant football coach, Jerry Sandusky. For the few people in the country unfamiliar with this tragedy, Jerry Sandusky was convicted in June of sexually abusing several boys. Most were abused inside of campus buildings, which is not only horribly tragic, but put the university itself under legal fire. According to Chad Hemenway of Property Casualty 360, Penn State finds itself now sorting through multiple settlements for Sandusky’s victims.
If you think about it, animals share a common trait with cars, boats, and houses—when tragedy strikes a lack of liability insurance in these areas can be life altering. And not in the "I won $27.3 million in the lottery" way. Rather, the "I need lawsuit protection so I don't lose everything I own" type of way.
For even the most controlled persons, times may come when self-defense, or the defense of someone unable to protect themselves, may arise. In these cases, the assumption is often that litigation for any violence would naturally not apply. However, you would be surprised how often assault and battery litigation could still stick. Assault and battery is the combination of two violent crimes: assault, or the threat of violence; and battery, or the actual physical violence. The intention behind the actions is important. Generally, it is only necessary for the defendant to have intent to do the harmful act (as opposed to an intention to actually do harm). Essentially, the act must be done voluntarily. Even in cases of self-defense, an intention to do harm or to do a harmful act can result in assault and battery charges.
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.
You know how difficult it is to apply sunscreen to your own back. No matter how much you stretch and contort, there is always a spot that you miss- right down the center. And after a day in the sun, that is the spot that causes you to lose sleep at night from the burning, prickly heat of a sunburn. Your discomfort is due to leaving that spot open and vulnerable. Unfortunately, some medical malpractice policies can leave you just as open and vulnerable to getting burned.