02 Apr Five Best Practices for Responding to General Liability Claims

General liability claims (e.g., slips, falls or accidental property damage) can occur unexpectedly, and a slow or ineffective response can disrupt operations, create financial strain and increase the likelihood of litigation. In contrast, a prompt, coordinated response can help limit liability and minimize damages.

Consider the following best practices for responding to general liability claims arising from premises and operations exposures.

1.  Ensure Immediate Safety and Medical Attention

Secure the area to prevent further injury or damage, provide first aid to injured parties and call the emergency services if the incident is severe. Keep the scene intact, only moving items if necessary to address immediate safety concerns.

2.  Conduct a Timely and Thorough Investigation

Complete a detailed incident report, collect and preserve evidence, and gather relevant records that may establish fault or lack thereof. Ensure employees are trained to capture details and evidence accurately and consistently.

3.  Do Not Admit Fault or Make Liability Statements

Don’t offer to pay for medical expenses or property damage, as this can be considered an admission of fault. Train employees to act courteously toward third parties without making statements that imply responsibility.

4.  Control Communication and Information Flow

Route all claim-related communication through a single point of contact, avoid informal discussions about the incident and never share details on social media. Direct attorney inquiries and claimant communications to the insurer.

5.  Notify Your Insurance Partners Promptly

Report the incident to your broker and carrier promptly, and submit initial documentation, even if liability has not yet been determined. Follow carrier instructions and retain supporting records that may be needed as the claim progresses.

Contact Us Today

Although the immediate aftermath of a general liability incident can be challenging to navigate, responding promptly and effectively can reduce disruptions and improve claim outcomes.

Contact us today for additional insurance and risk management guidance.

Provided by Barrow Group/Hilb Group