This course explores the insurer and insured relationship created through the contract of insurance. It focuses upon the rights and obligations as they pertain to the insurer’s duty to defend the insured in a suit. Topics covered include the identification of the insured, the grant of coverage provided by the policy, significant policy exclusion and the defense obligation within a commercial general liability policy. The course explores the burden upon an insurer that seeks to avoid a defense obligation. The course examines what is a “suit” as defined by a policy, how policy provisions grant insurance coverage, various exclusion to coverage and how to identify a conflict of interest between the insurer and insured.