A non-lawyer is no match for a lawyer. You might have a great point, you may be totally in the right. But a lawyer can make shear HELL out of something that seems very small! They can drag things out and blow little issues into hurricanes...........that can take months and years to resolve. Months and months of legal bills at $300. per hour is nothing to laugh about. If you loose, you can be forced to pay your lawyers fees and your groom lawyers' fees, plus any other legal fees for other people (the vendors) lawyer. That's why people settle cases, because the lawyers can cause more harm to you, then whatever the original case was about. It's always cheaper to settle even when your totally right.
Lawyers are friends with other lawyers and judges. Don't be certain you'll get justice, just because your correct. The legal system doesn't work so cleanly.
What Jason is suggesting seems logical and even handed...........but, he's telling you it's o.k. to play with fire. Obviously we all have different levels of tolerance. I have none, I've been seriously burned by lawyers, I'll never go near one again if I can avoid it. I only played with fire because I needed to help my parent, I had no choice then.
Understand that just because you have insurance doesn't mean your business will survive a law suit. I've seen huge food businesses go under from 1 food poisoning case. In IL, Ralph's in Lincolnwood went out of business from one law suit over food poisoning. The vendor who purchased the cake from Ralph's mis-handled (didn't refrigerate) the cake. Before you knew it, several companies were dragged into the law suit. In the end everyone involved went out of business, all but the lawyers (they all got richer).
Insurance means nothing, it might not even pay for your lawyer to defend you. Insurance companies find any and every excuse not to pay out claims. Do we all really know the fine details of our insurance contracts? I bet not! Just because you have insurance doesn't guarantee that you won't need your own lawyer to force them to pay out.
Some people need to get really burnt to understand just how really bad it feels when your the one who gets burnt. Nothing is life is fair, not fires, not the law.