Business Owner: Does my business need liability insurance? ALLCHOICE: Yes. Business Owner: But all we do is- ALLCHOICE: Yes, you need liability insurance. Business Owner: But we only have- ALLCHOICE: You need liability insurance. Business Owner: Are you sure? Because- ALLCHOICE: Mm hm. Yeah, you …

Let’s be honest.  We live in a litigious society.  Ever since a customer was able to win $3 million from a well-known fast food establishment for spilling hot coffee on herself (and probably long before that), a lot of people have been on the lookout …