Insured
457923 Ontario Limited
Named insured(s);
Tom Hardy
Hardy Pettit
Patel,

Coverage
Commercial General Liability Coverage, premises liability

Loss details
Februrary 29,2012 around 10 am, customer slipped and fell on the stairs coming down from the 2nd floor on his way to leave the store. Craig Stover slipped on the wooden steps leading to the sidewalk from the front porch and entrance to Hardy’s office. No ambulance attended, but receptionist help him.

3rd party
Craig Stover

Investigation
An investigation has taken place to determine; • The condition of the stairs and stair well lighting at the time of the accident • Weather conditions • Contact information and statements from any eye witnesses • If Sterling Fine Furniture owes a duty of care to the 3rd party, if that duty was breached, and was the breach the cause of the injury • Dose Sterling Fine Furniture have liability coverage under any other contracts and the detail of • How the injury occurred • The type of footwear worn by Ken Williams
Police
No police report available, police did not attend the scene

Injury or property damage
Craig Stover suffered low back injury as a result of slipping on the stairs.

Reserves • Reserves have been established for the following costs; • Salary for hired hand • Loss of income sustained by Craig’s wife • Other incidental cost to continue running the business • Medical expenses incurred by Craig Stover including cast, medications, and physiotherapy • Mileage and gas expenses to seek medical attention and physiotherapy • The likely cost of settling the claim including defense costs

Status of claim to date
The status of the claim is open, investigation and reporting has been complete.

Investigation would include:

• What is the legal liability of the insured for the occurrence?

• What other information must be obtained?

• What documentary evidence is available?

• What are the facts of the case?

• Is there any other party who bears any responsibility for the action?

• Is there any other insurance other insurance policy that might come into play?

• Is there a need to retain an expert?

The forms of evidence would requires:

Oral evidence: is established by interviewing a witness to obtain a description of how accident happened, who and who were at the accident when accident happens. Written and recorded statements are usually produced in court only when it is necessary to challenge contradictory oral evidence.

Physical evidence: is referred to tangible objects such as ; phographps of the scene of the an accident showing how a loss occurred , medical reports from a hospital or an attending doctor.

Secondary evidence: Reports from experts that presenting an opinion on the value of something or on the cause of loss.