Although this kind of protection is just catching on in America, it's a proven commodity in Europe, where some 40 percent of population has some type of protection. When there's easy access to good legal advice, people more often settle their problems without a court fight. Your business can have that same security, because you'll know your rights will be protected, whether it's an unfulfilled contract, a defective product, damaged shipment or whatever!

Simply put, a pre-paid legal plan does for attorney bills what an HMO does for doctor bills. The monthly fee -- premium, if you wish -- varies by type of coverage and locality, but is typically less than $1 per day. A small sacrifice for knowledge that you'll receive quality, comprehensive legal services to protect your rights and provide you with peace of mind.