| A business insurance quote can be the first step | | | | negligence. Using the same car example if you are |
| in putting together commercial general liability | | | | in your car you do not have a duty to pay pain |
| insurance to protect you from negligence claims | | | | and suffering damages when there is no physical |
| and or acts. Please note that typically all insurance | | | | evidence of any damages to the person and/or |
| policies normally do not provide coverage for | | | | the property. |
| criminal violations. | | | | Again using the parking lot example, if you were |
| There are four elements that form the basis of | | | | to park extremely close to another vehicle as |
| every negligent act. All four elements must be | | | | long as you have not violated some local |
| present in order for there to be a negligent act. | | | | ordinance or law you cannot be held negligent |
| To briefly lay out the four elements it looks | | | | simply for inconveniencing someone in a tight |
| something like this. There must be a breach of a | | | | parking space. |
| duty that was owed to someone that causes | | | | Even though sometimes the four elements of the |
| damages. In looking at this negligent acts | | | | negligent act are not present that does not |
| description one can quickly see some of the | | | | prevent somebody from filing a lawsuit. |
| defenses that are available to you as a small | | | | Therefore, it would be prudent to have the |
| business owner. | | | | proper commercial general liability insurance in |
| If there are no damages then there is no | | | | place for these types of frivolous lawsuits that |
| negligence. If you back into another car in a | | | | should eventually be dismissed because the |
| parking lot and there are no damages there is no | | | | negligent elements have not been met. |