You might not enjoy thinking about insurance, but you will enjoy it a lot less if you’re ever in need. Just ask the owners of Amherst Orthopedic Physical Therapy, the Buffalo, NY studio in which a client was left paralyzed when a leg extension machine fell on her.
The $66 million judgment (later reduced via settlement to $19 million) was viewed by the court to be 20% the responsibility of the studio. Ouch! Here’s an insurance primer that outlines the most important coverages.
