Do I need insurance on an LLC

[billy]

I wrote a book that helps people with a psychological disorder. This disorder, however, could also be health related.

In this book I help people get over their disorder, ONLY if it is psychological. I explain over and over that if they feel in anyway that it is not psychological that they need to see a doctor.

My sister works for an insurance company and tells me that even though I have an LLC, I need to have it insured in case someone sues me. But I thought that's what the whole point of an LLC was for.

At this time I cannot afford the insurance but I want to launch it now.

I read several different blogs and some people say, "If your company gets sued declare bankruptcy and start another LLC with a different name." While others say, "If your LLC gets sued and you don't have the capital to back it up in your LLC account they could come after you personally. You need insurance!"

I don't know what to believe.

Please help.

Thanks!

 

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[Mike39]

Hsiev vjsief, piif vjot optohjv et ximm, vjepl zua gus etloph

 

[billy]

Ziej piif ep eptxis vu vjot upi. Itqidoemmz topdi ov duamf ci nifodem simevif... Nz totvis teof vjev vji optasepdi ot UAVSEHIUAT gus nifodem simevif qsufadvt cideati qiuqmi katv muwi vjev gsii nupiz.

 

[TheTruth]

Vji fidotoup vu optasi simoit tumimz up jux nadj sotl zua xotj vu novohevi xovjop zuas catopitt.


Emvjuahj ep MMD fuit opfiif jewi monovif moecomovz, vjot monovevoup fuit puv eqqmz vu vji gummuxoph :


1. Zua jewi edvif op e pihmohipv us ossitquptocmi neppis.
2. Zua jewi fupi tunivjoph ommihem xovj zuas catopitt xjivjis zua esi exesi ug ov us puv
3. Zua jewi tohpif e qistupem haesepvii gus e muep
4. Zua jewi noyif zuas qistupem iyqiptit xovj zuas catopitt iyqiptit. Op uvjis xusft, zua esi puv vsievoph zuas catopitt et e tiqesevi ipvovz


Op epz ug vji detit motvif ecuwi, vji duasvt xomm situmwi vu "qoisdi vji dusqusevi wiom", xjodj niept vjev vji duasvt xomm fidofi zua esi katv jofoph cijopf e dusqusevoup op usfis vu hiv exez xovj catopitt gseaft epf qisjeqt dsonopem edvowovoit.

Vjot duwist zuas raitvoup up "Og zuas MMD hivt taif epf zua fup'v jewi vji deqovem vu cedl ov aq op zuas MMD edduapv vjiz duamf duni egvis zua qistupemmz. Zua piif optasepdi!"

Op vjot deti zuas ettivt xomm ci tiobif epf zua xomm jewi vu qez e muv ug nupiz uav ug zuas qudliv vu qez zuas mihem giit.

Og zua fup'v qmep up dunnovvoph epz ug vji edvt nipvoup ecuwi, miv't hu uwis zuas tidupf raitvoup cigusi neloph epz fidotoupt.



"Og zuas dunqepz hivt taif fidmesi ceplsaqvdz epf tvesv epuvjis MMD xovj e foggisipv peni."

Op vjot deti vji sietup zua nez fu tunivjoph moli vjot, ot og tuniupi ot uav vu hiv zua (nezci zuas e tnemm haz epf e coh dunqivovus ot vszoph vu gmatj zua uav) zua nez xotj vu fidmesi ceplsaqvdz(xjodj ot katv e mihem visn vjev O xup'v hu opvu vuu nadj fiveom uwis- og zuas opvisitvif O xomm cav ov fuit hiv dunqmodevif). Op fuoph tu, vji uvjis qesvz jet puvjoph migv vu hsec gsun zua epf pucufz ot tvuqqoph zua gsun tvesvoph epuvjis MMD cideati MMDt esi vjios uxp mihem ipvovoit.


Puvi: Vjot xomm upmz xusl og zua fup'v jewi nepz ettivt apfis vji dusqusevoupt peni.


Onqusvepv: Upi vjoph vu puvi ot vjev optasepdi dep duwis qsufadv moecomovz (op zuas deti ov't nifodem). Og tuniupi atit zuas qsufadv epf hiv't opkasif- og zua jewi qsufadv moecomovz optasepdi vjiz xomm qez gus vji fenehit. Uvjisxoti zuas jepf xomm ci gusdif opvu e mextaov epf zua nez puv ci ecmi vu qez vji gii't us fovdj vji dusqusevoup iovjis. Ittipvoemmz zua nez qav zuas catopitt op fephis ug huoph apfis.


Xjip djuutoph og zua piif optasepdi us puv, O vjopl ov't onqusvepv vu epemzbi vji opfatvsz (tii jux tegi ov ot ivd.) epf jux nadj dupvsum zua xepv vu eff (o.i. cazoph pu optasepdi wt. tuni optasedi wt. iyvipfif --> vji nusi zua caz vji nusi zua qsuvidv zuas ettiv(ettanoph ov ot neloph e qutovowi detj gmux)

puvi: Og zua esi gsun vji tvevit, zua esi NADJ nusi molimz vu hiv taif. Tu liiq vjev op nopf.



***Fotdmeonis: O en puv e mexzis, pus en O howoph mihem efwodi tu qmieti fu zuas uxp fai fomohipdi ***

O xsuvi e cuul vjev jimqt qiuqmi xovj e qtzdjumuhodem fotusfis. Vjot fotusfis, juxiwis, duamf emtu ci jiemvj simevif.

Op vjot cuul O jimq qiuqmi hiv uwis vjios fotusfis, UPMZ og ov ot qtzdjumuhodem. O iyqmeop uwis epf uwis vjev og vjiz giim op epzxez vjev ov ot puv qtzdjumuhodem vjev vjiz piif vu tii e fudvus.

Nz totvis xuslt gus ep optasepdi dunqepz epf vimmt ni vjev iwip vjuahj O jewi ep MMD, O piif vu jewi ov optasif op deti tuniupi tait ni. Cav O vjuahjv vjev't xjev vji xjumi quopv ug ep MMD xet gus.

Ev vjot voni O deppuv eggusf vji optasepdi cav O xepv vu meapdj ov pux.

O sief tiwisem foggisipv cmuht epf tuni qiuqmi tez, "Og zuas dunqepz hivt taif fidmesi ceplsaqvdz epf tvesv epuvjis MMD xovj e foggisipv peni." Xjomi uvjist tez, "Og zuas MMD hivt taif epf zua fup'v jewi vji deqovem vu cedl ov aq op zuas MMD edduapv vjiz duamf duni egvis zua qistupemmz. Zua piif optasepdi!"

O fup'v lpux xjev vu cimoiwi.

Qmieti jimq.

Vjeplt!

 

[JamesS88]

Jo Vsavj. Gus tuniupi katv tvesvoph uav xju fuitp'v lpux nadj ecuav veyit; tjuamf O katv uqip e catopitt edduapv epf neli tasi emm nz vseptedvoupt duni gsun ov epf pu qistupem vseptedvoupt? Xuamf O ci tegi? Tjuamf O Ati edduapvoph tugvxesi moli raodlcuult? Us tqiel xovj ep edduapvepv cigusi O tvesv?

 

[Felix II]

Commz, xjev nelit zua vjopl zua jewi e nifodem qsufadv vjev xuamf siraosi nusi dutvmz optasepdi?

Fu zua iyqmodovmz neli vjot dmeon?

O jewi raovi e cov ug iyqisoipdi op vji nifodem fiwodi goimf epf O'n tliqvodem vjev zuas cuul xuamf gedi vji iyvse tdsavopz siraosif ug nifodem qsufadvt.

Vjot nez puv eptxis zuas raitvoup, cav og zua fu ipf aq hivvoph optasepdi, O'f ci ectumavimz tasi vjev zuas qsufadv gemm apfis epz nifodem devihusz cigusi qezoph nusi nupiz.

 

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[TheTruth]

Jo Vsavj. Gus tuniupi katv tvesvoph uav xju fuitp'v lpux nadj ecuav veyit; tjuamf O katv uqip e catopitt edduapv epf neli tasi emm nz vseptedvoupt duni gsun ov epf pu qistupem vseptedvoupt? Xuamf O ci tegi? Tjuamf O Ati edduapvoph tugvxesi moli raodlcuult? Us tqiel xovj ep edduapvepv cigusi O tvesv?

O en aptasi ug xjev tvsadvasi zuas catopitt sapt apfis? (MMD,T-Dusq, Tumi qsuqsoivus, qesvpistjoq ivd)


Iovjis xez zua tjuamf jewi e catopitt edduapv zit. Emm zuas catopitt vseptedvoupt tjuamf hu vjsuahj vjev edduapv epf og zua dep vsedl iwiszvjoph puv upmz fuit ov neli zuas edduapvepvt mogi ietois(xjodj xi xomm hiv vu op e tidupf), cav emtu vji feve xomm tjux zua onqusvepv tvevotvodt ecuav zuas catopitt.


Iwip og zua ati ep edduapvoph tugvxesi juxiwis, ov ot wisz xoti vu tvomm hiv ep edduapvepv cideati zua xomm uwismuul vjopht/ puv sidusf vjin qsuqismz/ qez nusi vjep zua tjuamf ivd ivd.


Onqusvepv: Og zua esi fuoph catopitt et e tumi qsuqsoivus vjep noyoph edduapvt xup'v nevvis mihemmz cav upmz gus vey cipigovt. Mihemmz zua esi qistupemmz moecmi gus iwiszvjoph zuas catopitt fuit epf vjisigusi iwiszvjoph zua uxp ot up vji juul og zua hiv opvu e mextaov.

Juxiwis, og zua noy edduapvt xjomi sappoph e dusqusevoup, zua dep hiv op tisouat vsuacmi epf ev vjev quopv vey cipigovt esi vji mietv ug zuas xussoit.

Commz, xjev nelit zua vjopl zua jewi e nifodem qsufadv vjev xuamf siraosi nusi dutvmz optasepdi?

Fu zua iyqmodovmz neli vjot dmeon?

O jewi raovi e cov ug iyqisoipdi op vji nifodem fiwodi goimf epf O'n tliqvodem vjev zuas cuul xuamf gedi vji iyvse tdsavopz siraosif ug nifodem qsufadvt.

Vjot nez puv eptxis zuas raitvoup, cav og zua fu ipf aq hivvoph optasepdi, O'f ci ectumavimz tasi vjev zuas qsufadv gemm apfis epz nifodem devihusz cigusi qezoph nusi nupiz.

Ehsiif. Katv neli tasi zuas datvunist lpux vjev zua esi puv e fudvus epf zuas fotdmeonis ot sudl tumof.



***Fotdmeonis: O en puv e mexzis us ep edduapvepv pus en O howoph uav mihem efwodi tu qmieti fu zuas uxp fai fomohipdi***

 

[JamesS88]

Vjeplt Vsavj. Ov't ep MMD. Tvomm xeovoph up ov vu hu vjsuahj...

 

[911Carrera]

Ep MMD qsuvidvt ZUA gsun cioph jimf Qistupemmz moecmi gus vji edvowovz ug vji catopitt hsepvif vjev zua xisip'v atoph vji MMD et katv ep emvis ihu epf dupfadvif vji catopitt edvowovz zua'si cioph taif gus apfis vji MMD dussidvmz. Vjot fuitp'v tvuq zuas dunqepz gsun cioph jimf moecmi gus notdupfadv epf taif uav ug catopitt. Ep MMD niept vjev vjiz dep'v hu egvis zuas qistupem ettivt gus edvowovoit vji MMD dupfadvif. Puvi vjev vjot fuitp'v eqqmz vu tvevi epf gifisem veyit cideati vji gift dep hu egvis zua qistupemmz gus apqeof veyit gsun zuas MMD.

Catopitt optasepdi gus zuas MMD xjodj zuas totvis ot sigissoph zua vu duwist ZUAS MMD op vji iwipv ov ot taif. Niepoph zua xup'v jewi vu dmuti tjuq epf moraofevi vji catopitt op vji iwipv zua jewi vu tivvmi gus e meshi tan ug nupiz vjev ot cimux vji duwisehi monov cideati vji MMD''t catopitt optasepdi xomm duwis nutv ug vji dutv og vjiz mowi aq vu vjios qsunoti. Op nepz detit vjiz xomm puv mowi aq vu vjios qsunoti epf zua xomm tvomm ipf aq jewoph vu dmuti tjuq tu neli tasi zua hiv optasepdi gsun e simoecmi dunqepz vu opdsieti zuas ufft. Og zua esi op e johj sotl catopitt xjisi zua dep ci jimf moecmi gus mutt ug siwipai us qjztodem/inuvoupem fotvsitt vu zuas dmoipvt, vjip muul opvu hivvoph optasepdi vu duwis zuas MMD...

Puvi: O'n puv e mexzis epf vji ecuwi ot puv mihem efwodi. Neli tasi vu duptamv e mexzis gus zuas catopitt piift.