A contract of insurance that protects a client from personal liability provides two important benefits. First, the insurance company will indemnify (cover) the client for damages that the client’s negligence may have caused to a third party. Second, and equally important, the insurance company has a duty to defend the client against the claim brought by the third party (or plaintiff). The following summary highlights important aspects of the insurer’s duty to defend. This is general information that we hope will assist insurance consumers understand what happens when they are sued for a type of claim or injury that is…