[icandoit]

I have situation that may require legal assistance. I'm not sure so that is why I am asking here. I'm also not sure if this is the correct place for this question so mods, feel free to move it to a more appropriate location, if need be.

Last night my wife's car was stolen from our driveway. That is not the issue, as I have insurance. The problem is my wife has a small business where she reconciles bank statements for different clients in the area and she had just picked up the work from two different clients. These papers are mostly cancelled checks and bank statements, except for one client that keeps his personal bank and credit card statements in the same folder as his business stuff.

When my wife contacted to him to tell him about the situation, she said he immediately asked if we have liability insurance, which we don't. At least as far as I know we don't. I don't think my homeowners policy would cover this, and it's something we never even thought of to investigate coverage for.

She recommended to him to call his bank and credit card companies and inform them of what happened, and she told him that she would pay for any charges or fees involved.

Is this anything we should be concerned about? Obviously, we are concerned about it but is it serious enough to where we should contact an attorney for it, and if so which type attorney would handle something like this?

Thanks... Randy

[Fr_Chuck]

Yes you need to be seroiusly concerned over this.

First no your homeowners insurance will not cover this unless you have bought additional rider for your policy to cover a home business.

And even then there is limited liablity coverage, normally you will need a professional liablity coverage that would also include errors and omission coverage also what mistakes you make in your job.

But yes, you can be liable for first any cost to reconstruct these files, any charges made or any cost. Even with cancelled check stubs, a person can run electronic checks though on those accounts.

These costs can add up very quickly.

I would say yes, an attorney would be a good start.