ࡱ> OQP bjbjNN ,~,~v -]$$$$D8.u"   $@4#^u#$$.$R. $$$$ Z= r Tv" .  1ۡ( If youve ever signed a contract, you know its the fine print that gets you!   Contractual Liability Read the fine print is a common-sense rule to follow before you ever sign a business contract. But even with the eagle eyes and the best legal advice, your business could still be slammed with a contractual liability lawsuit. Is a: Purchase order Invoice Bill of lading Packing slip ever used in transactions youre a party to? If so, along with other type documents you execute in your business, could be a hold harmless agreement. This hold harmless clause provides that one party shall be held harmless from liability under certain circumstances, which could put your business at risk. An example would be that as a contractor constructing a building, you agree to hold the owner harmless for any liability he might incur in connection with its construction. A piece of lumber falls, severely injuring a visitor. The visitor sues the building owner, and because you assumed the building owners liability, youre responsible to pay any judgment the court renders. Many landlords ask their tenants to assume their liability, and they often make you responsible for other than potential liability hazards, such as direct damage to the air conditioning and heating units, the plumbing fixtures, etc. There is insurance to protect you by paying the damages arising from the bodily injury or property damage for which your business might be liable. Insurance coverage is usually written on a blanket basis that covers any written contract or agreement, except for product warranties and contracts that involve the activities of architects, engineers or surveyors. You do have the option of just insuring certain contracts, but danger may always be lurking if you just choose this option. You make many contracts daily in the course of business, and not all of them are written. There are implied, oral and even some that take on a life of their own because they are repeated day after day in your business. As good business sense dictates, have your attorney review any written contracts you want to execute and keep your insurance company advised of any type of contractual exposure you haveor think you may have. Conversely, there are times when you ask others to assume your liability. Any time you can pass off a liability it may make good business sense to do so. Be sure to separate your sales that come from contractual arrangement from your total sales, so the insurance company auditor can easily find those figures at your year- end sales and payroll audit. Contracts. You cant live without them. Just make sure you can live with them.  Geared for Success 3 minutes to insurance understanding Save money and cover your fatal gaps. 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