How many times have you watched the news, read a newspaper, listened to the radio, or saw an article online that reported on a frivolous lawsuit filed against a small business. When you see the word frivolous, you immediately think that business either has won the law suit or will win it. But what one must consider is that many times a small business owner must spend a substantial amount of money to retain legal representation to defend against that law suit. And for a small business, more often than not, that expense can be huge, and thus, can be the difference between keeping the doors open and shutting them for good.Taking the law suit issue into consideration all by itself, makes for a valid argument for your business having a legal plan that offers some sort of law suit protection. But in addition to that, there are all types of other obstacles that can find their way into the operations of a your small businesses.Issues such as workers’ compensation, debt collections, business financing, hiring and firing, bad check recovery, and a host of other items, must be considered, when deciding to risk going it alone with out a business attorney or small business legal plan.Even just one basic item like contract or document review can present a legal issue without seeking proper legal advice. Think about it. It is almost always inherent that your business will offer a service or product that will require a contract. And your business, more likely than not, will purchase services or products that will require you to sign one. Let’s face it, in today’s litigious society, a good legal contract is vital to maintaining a good business relationship with your customers, and just as important, protecting your small business. There are a few small business legal plan providers that offer contract and document review. What you have to decide is if the cost of a s legal plan is worth adding to your companies’ expense sheet? One way to do this is to list every risk, large and small, involved with your business and compare that to the cost of the small business legal plan that best meets your needs.Most legal expense companies that offer coverage that includes the basics like debt collection letters, contract and document review, legal correspondence letters, and consultation. This consultation can range from trademarks to city zoning. And few companies offer even more extensive coverage, like trial defense services, which provides legal representation should your business be named in a lawsuit. Other companies offer website builder and hosting services, as part of your premium. When you consider that lawsuits have gone wild in America and Canada today, coupled with the fact that it is a must that your business have an internet presence in the current communication age, these types of extra coverage can be a very big plus.In conclusion, when asking the question “Does my small business really need a legal plan?”, one could suggest that it’s not if your business needs legal coverage, but what type and how much. There for, one could propose that the real question that needs to be addressed is, “What legal expense company offers a small business legal plan that provides my business the best legal coverage at an affordable rate?” You can’t possibly cover every risk, but a comprehensive legal plan should provide the best possible chance for success.