The first step for the insurance company is determining if they have a duty to defend your company. The answer can vary between states and often relies on the important “four-corners rule.” Understanding this rule and when it applies can determine if an insurer’s defense obligation is valid or if you will end up fighting in court alone.

In our previous article, “Transferring Risk: Understanding the Power of Insurance, Indemnification, and Additional Insured Endorsements”, we discussed the powerful trio of insurance, indemnity provisions,

Insurance policies. Indemnity agreements. Additional insured endorsements. They all sound alike, so what’s the difference?  Each works to protect companies from paying out-of-pocket costs for