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Understanding the Basics of Legal Liability Claims cover


business, claims adjuster, commercial insurance, insurance, law, liability, loss adjuster

Understanding the Basics of Legal Liability Claims
An Adjuster's Perspective
by Shubham Gupta

Legal Precedence at the time when I was adjusting claims in India was not a common consideration. It took me almost six years to get to a stage where I could understand and appreciate the basic concepts underlying legal terms since immigrating to Canada in 2012. It has been a roller coaster ride for me, both scary and enthralling at the same time. Luckily, I had great company all through my journey. That’s what inspired me to write this book. It is my attempt to provide a basic understanding of the legal concepts used in handling insurance claims, from an insurance adjuster’s perspective. I have tried to tone down these concepts to simple terms, that could be easily followed by anyone not pertaining to the profession of law. I have discussed the day to day concepts, such as Final Release, Reservation of Rights Letter and similar other terms encountered by a claims professional while adjusting insurance claims.

Shubham Gupta photo

Writing and blogging is my

passion. I have this natural

affinity towards legal principles

in law, which I realized only

after immigrating to Canada.

My favorite past time is

browsing through recent court

decisions and then blog about

those on I absolutely love reading and analyzing statements of claim, case law, legal contracts out of pure interest and as research for my claims. Legal terminologies and interpretations have always been of great interest to me since my early days as an adjuster in India and I now recognize the significance of legal rights and professional ethics in dealing with an Insured, especially at the time of an Insurance claim.


Shubham Gupta

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