Most people will go through their whole lives without being sued. Sometimes it happens, however, and the experience can be stressful and frightening. They probably didn't teach you in school what to do if you or your business are sued, and it can be easy to panic when you've been served with a lawsuit seeking a large amount of money in damages. However, remembering a few simple things can help save you a lot of heartache:
In an interesting article from the Dallas Morning News, the paper noted that the state of Texas makes bounce house operators actually carry liability coverage, but there is no similar requirement for fertilizer plants like the West Fertilizer plant that exploded. In the West Fertilizer case, the plant had ammonium nitrate that detonated leveling the area surrounding it, causing extensive damage, injuries, and deaths. Yet the early indications are that this plant only carried $1 million in liability insurance coverage.