There are three classes of claims adjusters: staff adjusters (employed by an insurance company or self-insured entity), independent (independent contractors; not insurance company employees) and public adjusters (employed by the policyholder). It should be very clear that in the two first instances, the adjuster defends the rights of the insurer and works for a fair settlement for both parties. Adjusters may handle "property claims" involving damage to buildings and structures, or "liability claims" involving personal injuries or third-person property damage from liability situations, such as motor vehicle accidents, slip and falls, dog bites, or alleged negligent behavior. Some adjusters handle both types of claims and are known as "Multi-Line" adjusters.