Claims against businesses, municipalities, or government agencies are highly complex. These entities have teams of lawyers and strict, short deadlines for filing official notices of claim that you must follow exactly. Missing a deadline by one day can destroy your case. They also have legal protections and immunity doctrines. A lawyer knows these special rules, ensures all paperwork is filed correctly and on time, and levels the playing field against their well-resourced legal departments.

General liability is a broad category of insurance that covers common business risks from everyday operations. It’s not for auto or professional errors. Instead, it typically covers third-party bodily injury (like a customer slipping in a store), third-party property damage (like damaging a client’s property), and personal/advertising injury (like libel or slander). It’s a foundational coverage for most businesses to protect against claims from customers, vendors, or the public for incidents that occur on business premises or from general business activities.

Yes, but only under specific conditions. You cannot sue for a simple accident. You must prove the hiring company’s negligence directly caused your injury—for example, by knowingly failing to fix a dangerous condition or violating safety regulations. The process is a formal personal injury lawsuit, not a workers’ compensation claim. Success depends on strong evidence of their fault, and any compensation may be reduced if your own actions contributed to the incident.