control of defense
Definition
Control of defense refers to who gets to make the key decisions when your insurance company steps in to defend you against a lawsuit. This includes choices like which lawyer to hire, what legal strategy to use, and whether to settle the case or fight it in court.
Example
If a customer sues your bakery for food poisoning, your liability insurer might take control of defense, meaning they choose the attorney and decide whether to offer the customer a settlement without needing your approval.
Watch Out
Some insurance policies give the insurer complete control over these decisions even if you disagree with their strategy, so read your policy carefully before you ever need to file a claim.
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This definition is for informational purposes only and does not constitute legal advice. Please consult with a licensed attorney for legal guidance.