COVID-19 Message: To protect everyone’s safety in response to the threats of COVID-19, and to comply with social distancing recommendations, we are offering our clients the ability to meet with us without in-person contact. We are glad to offer the capability to meet via telephone or through video conferencing. Please call or e-mail our office to discuss your options.
MLO LOGO
Speak With An Attorney Now
Toll Free

SE HABLA ESPAÑOL – 415-434-4814

Banner
Mob Banner
Insurance
Insurance Coverage
Faith
Bad Faith
Personal Injury
Personal Injury
Storms
Fires, Storms, and Other Disasters
Failure Defend
Duty to Defend
Broker
Agent And Broker Malpractice

When does an insurance company have a duty to defend me if I’m being sued?

Like many insurance-related questions, the answer depends upon the terms of your policy. Commercial general liability (CGL) policies, automobile policies, homeowners’ policies, and other types of policies all tend to include the duty to defend as well as the duty to pay a covered claim. These policies also tend to spell out what events are covered and what events are excluded from coverage. Keep in mind, however, that even if a policy excludes some event from coverage (the duty to pay benefits), it may still have a duty to defend if you are sued under that same type of occurrence. The current trend for insurers is toward limiting their duty to defend.