In most jurisdictions, an insurer's duty to defend is broad and an insurer cannot flush away the fundamental obligation to defend its insured. Having an accident is traumatizing enough.Being denied insurance coverage makes it unbearable. Introduction. Several thorny legal problems beset the liability insurer with respect to its duty to defend the insured against suits, claims and proceedings. Loethen seeking a declaratory judgment that Ironshore is not required to defend or indemnify Defendants under two insurance policies. Loethen seeking a declaratory judgment that Ironshore is not required to defend or indemnify Defendants under two insurance policies. ARNOLD, M.D. in his official capacity 9CHO 3 2 2 6 as State Registrar of Vital Records;. Defendant. ARNOLD, M.D. in his official capacity 9CHO 3 2 2 6 as State Registrar of Vital Records;. Defendant. Unless otherwise provided in the insurance policy, the. Insurance policy conceivably covers allegations in the complaint.