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Domain · Technical Depth

A policyholder tenders a lawsuit for defense under a liability policy, but you think several of the claims fall outside coverage. Walk me through how you analyze the duty to defend and what you'd do.

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The duty to defend is much broader than the duty to indemnify — it's triggered if any claim in the complaint is even potentially covered, so a single covered allegation obligates me to defend the entire suit.

The full answer: structure, worked example, likely follow-up.

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