GeneralLiability
Who pays for your lawyer, and out of which pot?
Business coverage
Coverage for third-party injury and property-damage claims connected to your operations. We read the defense-cost language closely, whether legal defense is paid on top of your limit or out of it, since that single clause changes what the policy is actually worth in a contested claim.
Check it yourself
Two minutes with the policyyou already have.
01
Where to look
The liability form, under Supplementary Payments or Defense
02
What it reads
"in addition to the limit" or "within the limit"
03
What goes wrong
Within means your defense costs come out of the money meant to settle the claim. Contested cases can spend the limit before anyone is paid.
Rather we did it? Send the declarations page and we will read this line and every other one on it.
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