The potential for a minor mishap to result in a major insurance claim has never been greater than in today's litigation-driven society. No matter how stringent the measures put in place to protect the general public, companies are exposed on a vast array of fronts. Even an incident such as a shopper slipping on a wet floor in a shop, or a member of the public tripping on an exposed cable, or food poisoning after a meal at a restaurant can give rise to a lawsuit.