Endorsements

Duty to defend endorsement wording and examples

A duty to defend endorsement changes who is responsible for defending specified claims and under what conditions. The duty, consent requirements and relationship to underlying limits vary.

Coverage classification

Form type
Endorsements

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Duty to defend endorsement forms compared by Intent, Who defends, Notable conditions
FormIntentWho defendsNotable conditions

Vantage Risk Assurance Company

Endorsement - Amendment of Defense - Duty to Defend

WTX 10037 0726

Commercial Umbrella and Excess

Replaces the policy’s defense, assistance and cooperation provision.The insurer has a right and duty to defend when underlying limits are exhausted in the specified manner.The duty ends when the applicable limit is exhausted, and specified settlements require consent.

Fair American Insurance and Reinsurance Company

No Duty to Defend by Insurer Endorsement

FA-PML-1570-A CW 03-2026

Private Management Liability

Replaces the defense and settlement provision for selected coverage parts.The insured, rather than the insurer, has the right and duty to defend covered claims.Defense costs and settlements generally require consent; the form states a limited retention-related exception for a final disposition.

Notable clauses

“when the full amount of the Underlying Limits have been exhausted”

Vantage Risk Assurance Company · Endorsement - Amendment of Defense - Duty to Defend · WTX 10037 0726

Underlying limits. The form specifies how those limits must be exhausted before the insurer’s defense duty begins.

“The Insured, and not the Insurer, will have the right and duty to defend any covered Claim”

Fair American Insurance and Reinsurance Company · No Duty to Defend by Insurer Endorsement · FA-PML-1570-A CW 03-2026

Defense responsibility. This form assigns defense responsibility to the insured for the listed coverage parts.

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