About

What is HELD HARMLESS and What Does it Do?

HELD HARMLESS is a lawful shield which is recognized in all state and federal jurisdictions. It is used to safeguard your home or business from legal liabilities such as insurance claims and lawsuits which may be filed because another person suffered a loss, injury or damages while on your property, at your business, while using your product or utilizing your service. This is why you or your business needs to be HELD HARMLESS. We do something that insurance policies and lawyers cannot do: shield you BEFORE the problems arise.

Not only are we good at what we do but we back it up – 100%. How?

  • We offer a 100% Money Back Guarantee if our product does not work for you or your business.
  • Also, if our product does not work for you or your business, we will send our own team of lawyers to fight for your HELD HARMLESS status – regardless of the time or cost spent. You don’t pay a dime and we fight for you!
  • Finally, if our team of lawyers can’t get the job done, we will file a claim for you against our own E & O Insurance Policy – up to $5,000,000 – just to cover your losses.

Think of it like this: a membership to HELD HARMLESS is like using sun-block to prevent a sun-burn. If you apply sun-block to your skin before you go into the sun you can prevent the burn and the pain.

HELD HARMLESS works the same way. Individuals and businesses use HELD HARMLESS to shield and prevent against insurance claims, lawsuits and other such actions BEFORE they can be made or filed. Insurance policies and lawyers intervene only after trouble arrives and at a very high cost (such as insurance claim deductible fees and lawyer’s retainer fees).

Therefore:

✓ IF YOU DO HAVE INSURANCE, HELD HARMLESS will eliminate the need to file insurance claims. We will shield you and your policy from the exposures. By doing this, you prevent having to pay large deductible fees for a claim against your policy. Not having the need to file a claim means your rates won’t increase and you save your policy from being considered “high-risk” or from being dropped in the future. Furthermore, “no insurance claims” means “no lawsuits”. And if you are not defending a lawsuit, then you are not paying legal fees or spending the time to fight-it-out in depositions, testimonies, court, etc. With HELD HARMLESS you can and will save hundreds and thousands of dollars in time and money and your insurance policy will never be touched.

✓ IF YOU DON’T HAVE INSURANCE, HELD HARMLESS is your only alternative. There are no other products available to you or your business that will safeguard you from legal claims. But you are not alone. It’s not unusual that many individuals and businesses cannot afford insurance today. Yet, it has become common knowledge that filing a lawsuit is one of the fastest ways of making money and/or losing it. Why? Because the cost of defending a lawsuit is typically more expensive than settling one; regardless if they are legitimate or not. Lawsuits are also one of the most common reasons for business closings and personal/business bankruptcies.

NOTE I: Lawsuits, whether settled or won, typically yield the highest rate of return over any other legitimate investment available today. How? Consider this:

  1. The cost of filing a lawsuit (whether legitimate or not) is a few hundred dollars.
  2. Assuming the case is settled just to “get rid of the problem”, it may yield anything from a few thousand dollars to several hundred thousand dollars or more depending on the claim.
  3. And if the case is won in court, it not only gives the Plaintiff a judgment against you or your business but it attaches all your assets. But not if you are HELD HARMLESS! We shield you, and your assets BEFORE the lawsuit could ever be filed.

NOTE II: If you have insurance and making a claim or being sued is not a concern, then consider this:

  1. If a claim or lawsuit is over the penal sum of your policy (or over the maximum amount of your policy coverage), you are liable for the overage or remainder. This means, if you have a $1,000,000 policy and a claim or lawsuit is filed for $1,500,000, then you are responsible to pay the $500,000 over the cost of the coverage. But not if you are HELD HARMLESS. We shield you BEFORE the claim can ever be made.

 

How Does HELD HARMLESS Work?

Much like the sun-block example, HELD HARMLESS prevents actions such as insurance claims and lawsuits by shielding you or your business from them in advance. This is accomplished by strategic use of state and federal laws which allows HELD HARMLESS to legally and lawfully notify the general public or “put them on legal notice” that you or your business are not legally liable for things such as losses, injuries or damages sustained by others. The courts define and recognize this method of legal notification and defense as “lawful constructive notice” and it is accepted and honored in every state and federal jurisdiction, if, and only if, it is properly accomplished in accordance with the law.

“Lawful constructive notice” is not something new and has been around for many years. Individuals and businesses use them every day. Sadly, the majority of the attempts to post lawful constructive notice is rendered ineffective and many times cause more harm when not properly displayed or delivered. Some examples of ineffective legal constructive notices are: posted signs or notices (“No Trespassing” or “We are not liable for…”), written legal disclaimers (such as on leases, contracts, etc.), the fine print on websites, or advertisements (privacy statements, legal disclaimers, promotion details, etc. ), return or charge-back policies at stores (“No Returns”, “All Sales Final”, etc.), general liability waivers (“I/We are not legally liable for losses, injuries or damages sustained by others.”), hold harmless agreements (for events, amusement parks, equipment rentals, manufacturer’s notices, service providers, etc.) and much more – just to point-out a few. These are ineffective because they may be contested with the simple claim of: “I did not see the sign…” or “I did not read/understand the notice…”. This is where you see many insurance claims and lawsuits won and lost based upon these claims of unclear or insufficient notice.

But, as times change, so do the legal requirements of posting notice which means the cost to do so also rises exponentially. With HELD HARMLESS, we eliminate the “I did not know” excuse by collectively publishing your legal claims and waivers of liability in accordance with state and federal laws. We can do this at such a low cost as we do it for millions of individuals and businesses daily – 24/7; legally, lawfully and affordably. For an individual or a business to accomplish this, it would cost several thousand dollars a month which is what makes HELD HARMLESS so attractive. We affordably put the general public “on legal notice” for you!

Whether it’s a one-time event or as an annual general shield for your home or business; HELD HARMLESS is a concrete defense that cannot be penetrated. HELD HARMLESS can and will keep you or your business free from financially and emotionally defending things such as insurance claims and lawsuits - GUARANTEED.

With HELD HARMLESS you have nothing to lose and everything to save. Remember, as a member-in-good-standing, if you or your business suffers a loss and it was within HELD HARMLESS’ ability to shield you, we will file a claim for you under our insurance to cover you – up to $5,000,000. Nowhere else can you get that kind of reassurance for less. Don’t go another day exposed to losses. Shield yourself and/or your business with HELD HARMLESS today!