Lawsuits can be expensive and stressful. Insurance protection can often be purchased to protect a person or business from potential monetary damages from some tort lawsuits. It should be noted that there is no insurance available for intentional torts.

Common examples of insurance coverage include::

• • Homeowners Insurance
    • Most homeowners have insurance not only to protect them from fire damage, but from lawsuits such as a guest who trips and falls on their property or is bitten by their pet dog.
  • Malpractice Insurance
    • Most doctors and hospitals have insurance to protect and defend them from lawsuits brought by patients who sue for inadequate or improper medical care. Lawyers and other professionals also carry malpractice insurance.
  • Business Liability Insurance
    • Businesses usually have insurance to protect them from lawsuits brought by customers for slip and fall cases, false arrest claims, or product liability.
  • Workers’ Compensation Insurance
    • Employers in NYS are required to have this insurance to provide coverage for their employees that are injured while on the job.
  • Automobile Insurance
    • In NYS, all registered vehicles are required by law to have insurance. Automobile accident lawsuits are regulated by the NYS no-fault insurance statute.