New DM Looking for insurance advice.

[Mustard Dave]

I give up!

 

[Lopez116]

Mustard Dave- in a state with joint and several liability, isn't it inaccurate to say that the duty of care owed to a Plaintiff starts with the shop? What difference does it make? In a joint and several scenario, each defendant will be liable for 100% of the Plaintiff's economic damages right?

 

[Mustard Dave]

Mustard Dave- in a state with joint and several liability, isn't it inaccurate to say that the duty of care owed to a Plaintiff starts with the shop? What difference does it make? In a joint and several scenario, each defendant will be liable for 100% of the Plaintiff's economic damages right?

The employee is still liable, however, the shop's policy would cover that risk. DMing is no different to any other job. What if a worker in McDonald's cleans up a spillage, mops the floor and fails to ensure it's dry or put out warning signs and somebody slips? Ignoring the member of the public not looking where they going, that employee caused the accident - not his supervisor, not the area manager, not Ronald McDonald or even the Hamburglar.

Some ambulance-chaser submits a claim for compensation for his client's bruised bum, McDonald's pay out, possibly claiming on their insurance. The employee may be disciplined, staff are reminded of the need to ensure floors are kept dry, everybody carries on flipping burgers as normal.

When Maccy D's workers are given their first star, are they told 'this star brings great responsibility'? Is Johnny One Star told he must now take out bruised arse insurance?

We all do stuff in our day to day jobs that could cause harm. How many employees feel the need to take out insurance to do their day-to-day jobs?

 

[Lopez116]

The employee is still liable, however, the shop's policy would cover that risk. DMing is no different to any other job. What if a worker in McDonald's cleans up a spillage, mops the floor and fails to ensure it's dry or put out warning signs and somebody slips? Ignoring the member of the public not looking where they going, that employee caused the accident - not his supervisor, not the area manager, not Ronald McDonald or even the Hamburglar.

Some ambulance-chaser submits a claim for compensation for his client's bruised bum, McDonald's pay out, possibly claiming on their insurance. The employee may be disciplined, staff are reminded of the need to ensure floors are kept dry, everybody carries on flipping burgers as normal.

When Maccy D's workers are given their first star, are they told 'this star brings great responsibility'? Is Johnny One Star told he must now take out bruised arse insurance?

We all do stuff in our day to day jobs that could cause harm. How many employees feel the need to take out insurance to do their day-to-day jobs?

I agree then. We're essentially saying the same thing- make sure your on the dec page to some insurance (regardless of whose policy it is)!

 

[Seanothon]

I appreciate all of the advice. I ended up covering myself with Vicencia & Buckley.