The Stowers Doctrine holds that a liability insurer that undertakes the defense of an insured has a duty to act in good faith in settling a liability claim. It is named for a seminal Texas case, G. A. Stowers Furniture Co. v. American Indem. Co., 15 S.W.2d 544 (Tex. Comm'n App. 1929).
According to the International Risk Management Institute (IRMI), Action Over is a legal action involving an injured employee, when after collecting workers compensation benefits from the employer, decides (most often at the guiding hand of counsel) to pursue a third party for allegedly contributing to the employee’s injury.
Your employee is on a job site, working on a ladder. Even over the noise, the sound of the cracking is so loud that his coworkers stop suddenly and watch the slow-motion fall as the worker descends to the ground. It is a gruesome injury, a greenstick fracture. Bones protruding from the flesh. EMS responds. There is a biohazard clean up on site due to the amount of blood lost.
Dealing with in-home sales has its drawbacks, but it is a vital aspect of working with homeowners. Always ensure that your contracts are compliant, contain language that complies with current legislation...
