Recently came across this letter from a client who was contacted by "The Cincinnati Insurance Companies." Our clients own and operate a cleaning service that works with commercial businesses like restaurants. Apparently, one night a patron of the restaurant had a slip and fall incident while eating at the restaurant. The cause of the clip and fall is still unknown and the insurance company didn't bother including that part in their letter to my clients. It seems that the insurance company is on the hook for this slip and fall claim so instead of doing what they are contractually and financially obligated to do, which is to protect their insured (the restaurant), they decide to send a letter to my client, the after hours cleaners to tell them that this is their fault and that they must cover this incident. Obviously, the after hours cleaners have no liability to the insurance company for accidents occurring during working hours. But this is a valuable lesson for anyone that thinks that insurance companies care about anything other than their own profits.
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