General Liability Insurance Florida

I had a very small bus companion sitter /. until January 2007. It was an S-Corp. In December 2006, a worker fell accidentallyy client from a Hoyer lift because straps are not completely secure. Client suffered hip fracture and tibia. Customer First refused to go to the hospital and insisted he be allowed to go to work everyday to protect the sheltered workshop bus. The worker said she could not force it if it allows it to be transported to the planned workshop. En route, the client then said he was in pain and was transported to the hospital. He was treated and drugs against pain and a link to the hip hip fracture hairline. He did well and recovered in 2 weeks. Now, in May 2009, I received a notice of the family is seeking medical bills (3000), and loss of work, since the client could not work in his studio at the shelter for 2 weeks and pain and suffering. The prosecutor who sent the letter requested an offer of "reasonable amount". Coming back I noticed that we have in December 2006 (corporation) is passed to a payroll service. That we have no responsibility to renew from a previous carrier. Then, in January 2007, because of the economy and change Medicaid law Provider, it was no longer viable to remain open, so we closed our doors. Now I learn that the service Payroll does not include liability! No action has been filed yet. Will I be forced to declare bankruptcy for the company and myself (the owner) personally? My house is a homestead in Florida and I do not have anything other than a 1996 Sebring. But my credit is not good either! What should I do? Should I write this lawyer and explain all this, there was no liability and I do not own any property? Or should I wait, and if proceeeds combination is forced to declare bankruptcy on the closing of the company and myself personally? I'm so worried I can not eat or sleep! S If you please give me some advice.

Probably, yes - you are looking to the bankruptcy of the company and yourself.

You need a lawyer.

http://search.yahoo.com/search?p=free+le ...

Liability insurance is taken by the businessman if there is a sudden loss of the company they claim the money ... Companies operating in states with a history of granting high amount of damages to plaintiffs typically need a liability insurance with higher coverage limits ... But we must show that the dates of origin what is happening in the business for which the loss occurs ... Business owners should first consider the level of risk associated with their business.

In fact, you have a mess on your hands.

1st call a lawyer ASAP to discuss your options.
2nd not call or write back to the establishment because you may have to do that and not be responsible.

A lawyer can explain your rights. you may be able to protect your belongings and files on your company only. but this will depend on what the laws are FL and only a lawyer can determine for you.

an opinion of counsel may be consulted free of charge for 1 or much less than what they want. there could be other problems that nobody can predict or if the payroll service can be held responsible.

as I said, call a lawyer and get legal advice.

success