Defense Coverages
This coverage offers defense against any suit brought against you to recover damages for personal injury or property damage that is either covered or not covered by an underlying insurance. Chubb will begin defense, at its own expense, once the underlying coverage has been exhausted.
Chubb will provide defense at its own expense, even if the suit is groundless, false or fraudulent, using counsel of its choice. Chubb may investigate, negotiate, and settle any such claim or suit at its discretion.
Expenses to be paid include:
- All expenses incurred by the insurance company;
- All costs taxed against you;
- All earnings lost by you at the insurance company's request, up to $25,000;
- Other reasonable expenses incurred by you at the insurance company's request; and
- The cost of bail bonds required of you because of a covered loss.