Скачать или смотреть Business Law: Types of Insurance Business Owners Need

http://www.alexandassociates.com - Do you have a contract that needs to be reviewed or legal agreements and documents that need to be drawn up? If so, call the business attorneys of Alex & Associates at 602-971-1775 to ask your legal question.

IN THIS VIDEO:
Andrew Alex of the business law firm of Alex and Associates talks about the kinds of insurance that business need to carry. Mr. Alex discusses in-depth non-owned auto and the impact of an employee or contractor who is running errands on behalf of the company getting into an accident. Watch this video now to see if you are liable for those damages caused by your employee or contractor.

EN ESTE VIDEO:
Andrew Alex de la firma de abogados de negocios de Alex y Asociados habla de los tipos de seguro que las empresas necesitan para llevar. Sr. Alex analiza en profundidad no poseída auto y el impacto de un empleado o un contratista que está haciendo mandados en nombre de la empresa tener un accidente. Mira este video ahora para ver si usted es responsable por los daños y perjuicios causados ​​por su empleado o contratista.

WHAT TO LOOK FOR WHEN CHOOSING AN ATTORNEY:
As a business owner you will undoubtedly need legal counsel to help with contracts, agreements, personnel issues, disputes, operating agreements, etc. You want to choose an attorney who has your interests in central focus and not a law firm who is only concerned about their own profitability. You want to choose an attorney who knows your business and will partner of your firm. Above all, you want to choose an attorney who is not afraid to go to trial, if necessary, to present and win your case. Always ask for a free consultation and ask for business client references.

CONTACTENOS PARA MAS INFORMACION Y CONSULTAS GRATIS:
Alex Y Asociados Abogados de Heridas Personales

CONTACT US FOR MORE INFORMATION & FREE CONSULTATIONS:
Alex & Associates Personal Injury Attorneys Phoenix
1717 E. Bell Road, #1
Phoenix, AZ 85022
602-971-1775
[email protected]
http://wwwalexandassociates.com
Se Habla Español

VIDEO LINK/VIDEO ENLACE:
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VIDEO TRANSCRIPT:
We all know the types of insurance out there, depending on your business: (1) general comprehensive and liability insurance, (2) errors and omissions, something we call professional liability, if you give advice, (3) non-owned auto. I want to talk to you for a minute about non-owned auto insurance. What it means is this: Let's say you own a business, and you need your secretary or one of your staff to run an errand. Let's say to go to the bank. That person goes and takes their own car. And they are tooling off going to the bank, and it's on a Friday, and they're thinking of their date that night, and they run into a bus load of doctors.

Let's say that the secretary that ran this errand for you has insurance on her car with minimum liability limits of 15/30. Well, the next thing you know, you get a call from a very enterprising lawyer who says, "My claim is worth $500,000, I got $15,000, would you mind writing me a check out as the employer because you are vicariously liable for all the damages that your secretary did to my clients. So, I need a check for $485,000. Your insurance is not going to cover that unless you have something like non-owned auto coverage. So, before you launch a member of your staff out to run errands, to take a trip to Tucson, be thinking about insurance and what happens if that person causes serious injury to somebody for driving a non-owned auto... or give them your car to drive because insurance follows the vehicle and if you have $300,000 [insurance coverage] you're protected. And her insurance is secondary liable. You are better off loan your staff your car because then there is coverage if there is a catastrophic accident. You follow that?

Woman 1: I did not know that.
Woman 2: If they are a 1099, they are not on your staff, does the same thing apply?

Let me tell you, a 1099 is an independent contractor and theoretically they are separate and you are not liable for their tortious acts, their acts of negligence, except that very resourceful lawyers may say, "You may call that person an independent contractor, and you may 1099 them, but in reality if you have enough control over the work that they do, the time that they show up, you provide the desk, the office, the equipment, the furniture, the leads... you know what? You can call that person a 1099 but a jury is going to decide whether that person is an employee or a true independent contractor."

If the jury finds that this person is really an employee even though you may call it a 1099 independent contractor, you are on the hook for full damages.