Reader:

How to reduce legal risk and keep lawsuits from draining your business.

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Morning Minute – 8.29.25​
​“Observe, Document, Submit, & File!”​
(A proven process to defend your business against claims and settlements)

Picture this...

· A customer claims she slipped outside your store.

· A company vehicle collides on the road.

· An employee is hurt at work.

What do these have in common? They all put a target on your back. Liability; Lawsuits; and Settlements that can spiral out of control.

After calling for medical help, here’s the playbook that protects you:

OBSERVE – Snap photos of the scene. Record what the injured person says on your phone. Get witness statements immediately. Memories fade—evidence doesn’t.

DOCUMENT – Write down exactly what happened. Type up the conversations you recorded. Print and store your photos. Build a simple timeline. Organized evidence beats vague memories every time.

SUBMIT – Report the incident right away to HR. Contact your attorney, then hand over your photos, notes, and recordings. Your lawyer and insurer can’t defend you without documentation.

FILE – Lock it down. Keep every note, photo, and recording safe and secure. Operate under one assumption: lawsuits are coming.

And one more thing—never, ever talk directly with the other side’s attorney. Your only response should be: “You’ll need to speak with HR or my lawyer.” Period.

Here’s the truth: if you run a business and carry insurance, it’s not if you’ll get sued, it’s when. This four-step process won’t stop the lawsuit, but it will protect both your company’s future…and yours!

MORNING MINUTE CHALLENGE: Review your process for handling incidents like these. Tighten it up. If you’d like a fresh set of eyes, reach out—I’m here to help.

“Observe, Document, Submit, & File!”

That is today’s Morning Minute.

If a family member, coworker, or someone you know may find this message helpful, interesting, and/or informative, please share it with them. As always, your comments, your questions, and your observations are greatly appreciated! Reach out to me at ​lab@larryonlearning.com​.

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Our team will be off for the Labor day holiday, celebrating with their families. We hop you have a chance to share some special moments with your family!

May God bless you, your family, and your team!

All the best,

Larry a. Bonorato

864-630-2625 lab@larryonlearning.com​

(published and copyrighted by the Bonorato Creative Group. LLC)