Slip And Fall Insurance Coverage Claims Explained
Slip and fall Insurance coverage is increasingly important for Canadian businesses as slip, trip and fall insurance coverage claims have always and will continue to be an issue for any business with a physical presence and/or foot traffic of any type Slip and fall insurance coverage is built into almost all Commercial General Liability Insurance policies under the first or primary section of the policy. Although you won’t find slip and fall insurance coverage named specifically it is included within the scope of coverage for bodily injury and property damage to third parties.
Slip And Fall Insurance Coverage Claims Process
Slip, trip and fall insurance claims typically start when a business receives a statement of claim from a Canadian law firm. The statement of claims will continue a concise summary of the incident, injuries & damages the injured party is seeking. The statement of claim will also make allegations of negligence on the part of the defendant which is a key part of the slip, trip and fall insurance coverage claims process. Ultimately for slip and fall insurance coverage claims to be successful they need to prove damages (which are typically financial losses of things like income, potential income, medical and care expenses, pain and suffering compensation etc.) were incurred, that the defendant owed a duty of care to the plaintiff which is typically rooted in the occupier’s liability acts which exist in each province and that the duty owed was breached through negligence on the part of the defendant. Any time you receive slip and fall insurance coverage claims you should contact your commercial general liability insurance broker immediately and discuss the response strategy and potential next steps.
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