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Prepaid Legal for Small Business
By Bob Sherman
If you control your own business, even a work at home business, you probably should carry some legal insurance beyond what your current business, auto and homeowner or renter policies encompass. Your coverage on these policies probably will not cover legal services required for such problems as false arrest, libel, slander, or invasion of privacy.
The increasing complexities of the legal system trigger the spiraling costs of lawsuits. This can be extremely costly to a small business proprietor, especially if you have a work at home business. You basically can't afford to hope that you will never be involved in a costly legal action.
Hiring an attorney to defend various claims against you or your business may ruin a small business. With money so tight these days, what small business owner can come up with the funds to pay a minimum of $200 per hour for an attorney who specializes in business law? Unless you are running a million dollar business, this sort of assistance is far too expensive for most people.
A couple of options are open to you.
First, check with your insurance agent to learn what additional policies or riders you can obtain that may cover legal expenses for typical legal actions arising out of the normal course of business. You may be able to get an umbrella plan that will expand both the dollar limits of your current coverage as well as boost the number of matters covered. An umbrella plan can be an inexpensive answer to your legal exposure.
A second alternative is a prepaid legal plan that protects you and your family as well as your business. Typically, for a fixed monthly or annual price your will qualify for a collection of legal services that are customized to the requirements of a small business.
One popular and beneficial feature of a prepaid legal plan is your option to have phone conversations with your attorney. You can discuss possible issues with your attorney and obtain his or her legal guidance before you do something that could result in a lawsuit. This is an important aspect of most plans and can help you avoid lawsuits, saving you a lot of time, energy, and worry.
Many prepaid legal plans also include your attorney's time for reviewing typical documents and contracts.
Girls' Delinquency Fact Sheet Now Available
This Office of Juvenile Justice and Delinquency Prevention (OJJDP) fact sheet examines rising trends in girls’ delinquency in the 1990s. To address this need and provide comprehensive information on female delinquency, OJJDP created its Gir ...
Girls' Delinquency Fact Sheet Now Available
This Office of Juvenile Justice and Delinquency Prevention (OJJDP) fact sheet examines rising trends in girls’ delinquency in the 1990s. To address this need and provide comprehensive information on female delinquency, OJJDP created its Girls Study Group in 2004. This OJJDP Fact Sheet assesses trends of girls' delinquency and whether girls were becoming more violent or if other factors contributed to their higher arrest rates.
(NCJ 228414)
Full text of the report: PDF  | 