This month’s Business Bytes highlights insurance coverage, website terms and financial exploitation foiled by estate plans.

Don’t Underestimate Insurance Coverage.  We advise our clients to always file a written claim with any carrier when an issue arises, as some courts find the most unlikely events to be covered by insurance. A recent ruling found an auto insurance carrier liable to a passenger who caught an STD in the car from its insured.  READ MORE

Make Your Website Terms Enforceable.  As more companies move to a digital environment, they become more dependent on websites or contact terms and conditions only published on a website. Although written contracts are preferred, if your contract is on your website, be sure that your contract terms and conditions are clear, documented, date stamped, preserved and enforceable to minimize problems. READ MORE.

Financial Exploitation Foiled by Estate Plan. With increased and widespread exploitation of the elderly, the use of both estate and life planning documents can minimize or avoid such exploitation. This is not do-it-yourself protection, and the advice and counsel of professionals is needed. READ MORE

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