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Although the general rule on determining whether there is a duty to defend looks to the "four corners of the document" some courts are going beyond policies and considering additional information.

The determination of whether an insurer has a duty to defend is the most important of all coverage issues, which shouldn’t be surprising.

The question arises in just about every liability claim — regardless of policy type. No other issue can make that claim. And the consequences for an insurer that breaches its defense obligation are, at best, significant and, at worst, monumental.

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