{"id":903829,"date":"2025-01-16T15:12:23","date_gmt":"2025-01-16T22:12:23","guid":{"rendered":"https:\/\/www.myconstructionexpert.com\/blog\/?p=903829"},"modified":"2025-01-16T15:12:25","modified_gmt":"2025-01-16T22:12:25","slug":"duty-to-defend-broader-the-better","status":"publish","type":"post","link":"https:\/\/www.myconstructionexpert.com\/blog\/duty-to-defend-broader-the-better\/","title":{"rendered":"The Broader The Better\u00a0&#8211; How Broad Is the Duty To Defend?"},"content":{"rendered":"\n<p>Adriana Perez and Cary D. Steklof | <a href=\"https:\/\/www.hunton.com\/hunton-insurance-recovery-blog\/the-broader-the-better-how-broad-is-the-duty-to-defend\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Hunton Andrews Kurth<\/a><\/p>\n\n\n\n<p>It is common knowledge in the insurance industry that an insurer\u2019s <a href=\"https:\/\/www.myconstructionexpert.com\/blog\/duty-to-defend-broadly-applies-to-entire-action\/\">duty to defend is broad<\/a>. \u00a0Recently, a U.S. District Court reminded us just how broad that duty is when it held that a complaint with only two scarce factual allegations triggered an insurer\u2019s duty to defend.<\/p>\n\n\n\n<p>When a company or individual procures liability coverage, it is purchasing two fundamental promises from the insurance company: \u00a0(1) the obligation to fund the policyholder\u2019s defense against third-party claims (the duty to defend), and (2) the obligation to pay for any resulting liability that may arise from a settlement, judgment, or other resolution (the duty to indemnify).\u00a0 Across the country, the duty to defend is exceedingly broad and intentionally deferential to the policyholder.\u00a0 In many jurisdictions, that duty is triggered so long as there are\u00a0<em>any<\/em>\u00a0allegations against the insured that could\u00a0<em>potentially<\/em>\u00a0give rise to coverage under the policy.\u00a0 Accordingly, even where factual allegations are sparse or fall beyond the scope of coverage, a carrier must step up and defend if there is a possibility for coverage.\u00a0 The United States District Court for the Southern District of Texas\u2019 opinion in\u00a0<a href=\"https:\/\/www.law360.com\/articles\/2273101\/attachments\/0\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"><em>Hudson Excess Insurance Co. v. Filipp Oilfield Services, LLC<\/em><\/a>\u00a0exemplifies these principles.<\/p>\n\n\n\n<p>In&nbsp;<em>Hudson<\/em>, the insurer sought declaratory relief regarding its duty to defend and indemnify Filipp for claims asserted against it by Galatas in a Texas state court lawsuit that arose out of Galatas\u2019 injuries while allegedly working at Filipp\u2019s job site. &nbsp;The underlying lawsuit contained nothing more than the following factual allegations: &nbsp;\u201cOn or about January 23, 2023, Plaintiff [Joshua Galatas] was working at a job site owned, operated, and\/or managed by Defendants [Filipp] in Harris County. &nbsp;While performing his work, a fire and\/or explosion occurred that severely burned Plaintiff and caused injuries to multiple parts of his body.\u201d &nbsp;A hospital bed photograph followed these allegations. &nbsp;These were the only factual allegations in the underlying lawsuit.<\/p>\n\n\n\n<p>Filipp tendered the claim to its general liability insurer, Hudson. &nbsp;Hudson agreed to defend Filipp under a reservation of rights and subsequently filed the instant coverage action. &nbsp;Hudson argued that because the policy precluded coverage for claims asserted by \u201cEmployees, Contractors, Volunteers and Other workers,\u201d Galatas\u2019 claim was not covered and Hudson had no duty to defend Filipp. &nbsp;The court disagreed.<\/p>\n\n\n\n<p>The court held that to determine Hudson\u2019s defense obligation, it was required to \u201capply the eight-corners rule and look solely to the insurance policy and plaintiff\u2019s petition . . . \u2018without regard to the truth or falsity\u2019 in the allegations or \u2018without reference to facts otherwise known or ultimately proven.\u2019\u201d &nbsp;Additionally, the court held that it could not consider extrinsic evidence of Galatas\u2019 employment status, which was not alleged in the underlying lawsuit, because such a determination would \u201coverlap with the merits\u201d question of whether Filipp owed Galatas a duty as his employer. &nbsp;Accordingly, the court concluded that it could not determine whether Galatas\u2019 claim fell within the policy\u2019s employer liability exclusion and Hudson was required to defend Filipp.<\/p>\n\n\n\n<p><em><strong>Key Takeaways<\/strong><\/em><\/p>\n\n\n\n<p>This case has several key takeaways for policyholders. &nbsp;<\/p>\n\n\n\n<p>First, when facing a third-party claim, policyholders should carefully consider the allegations and each liability policy it has purchased to determine which policies may respond. &nbsp;If there is even the potential for coverage, policyholders should give timely notice to the corresponding insurer(s). &nbsp;This may require that a policyholder give notice of the same claim under multiple lines of insurance. &nbsp;Because the duty to defend is exceedingly broad, this strategy increases a policyholder\u2019s probability of securing a defense \u2013 for which it has already paid premiums \u2013 even if the insurer\u2019s duty to indemnify is questionable. &nbsp;For example, a policyholder may face a suit alleging both bodily injury due to an accident and financial loss due to the policyholder\u2019s alleged error or negligence. &nbsp;The policyholder should tender the lawsuit to its commercial general liability insurer as well as its errors and omissions insurer. &nbsp;While each insurer may ultimately dispute the extent to which they owe indemnity, it is possible that&nbsp;<em>both<\/em>&nbsp;will have a duty to defend the policyholder. &nbsp;&nbsp;<\/p>\n\n\n\n<p>Second, while not discussed in the court\u2019s opinion, this case serves as a reminder of the need for independent counsel. &nbsp;Traditionally, an insurer defending a policyholder selects and retains the policyholder\u2019s defense counsel and controls the defense. &nbsp;This model can lead to a conflict of interest for defense counsel \u2013 who must defend the policyholder, but knows the insurer will likely provide future business.&nbsp; This conflict is particularly apparent when certain findings in the underlying suit would give the insurer the ammunition it needs to deny coverage. &nbsp;In this scenario, many states (including Texas) require the appointment of independent counsel. &nbsp;Independent counsel would not be selected or retained by the insurer and the insurer would not control the defense. &nbsp;In&nbsp;<em>Hudson<\/em>, there was a clear conflict of interest between Hudson and Filipp: &nbsp;if it was determined that Galatas was Filipp\u2019s employee in the underlying lawsuit, Filipp would be found liable and Hudson would be able to deny coverage based on the employer liability exclusion. &nbsp;The appointment of independent counsel helps resolve this conflict by ensuring that defense counsel is not influenced by the insurer\u2019s interest in denying coverage. &nbsp;<\/p>\n\n\n\n<p>Policyholders should be attuned to these practical realities and, when necessary, be sure to consult experienced insurance coverage counsel in order to maximize potential coverage when faced with third-party claims.\u00a0<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p><strong>When one of your cases is in need of a construction expert, estimates, insurance appraisal or umpire services in defect or insurance disputes &#8211; please call Advise &amp; Consult, Inc. at 888.684.8305, or email ex<a href=\"mailto:perts@adviseandconsult.net\">perts@adviseandconsult.net<\/a>.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Adriana Perez and Cary D. Steklof | Hunton Andrews Kurth It is common knowledge in the insurance industry that an insurer\u2019s duty to defend is broad. \u00a0Recently, a U.S. District Court reminded us just how broad that duty is when it held that a complaint with only two scarce factual allegations triggered an insurer\u2019s duty&hellip; <a class=\"more-link\" href=\"https:\/\/www.myconstructionexpert.com\/blog\/duty-to-defend-broader-the-better\/\">Continue reading <span class=\"screen-reader-text\">The Broader The Better\u00a0&#8211; How Broad Is the Duty To Defend?<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false},"version":2}},"categories":[10,10721],"tags":[9895,57,22],"class_list":["post-903829","post","type-post","status-publish","format-standard","hentry","category-duty-to-defend","category-insurance","tag-advise-consult","tag-duty-to-defend-2","tag-insurance","entry"],"jetpack_publicize_connections":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The Broader The Better\u00a0- How Broad Is the Duty To Defend? 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