
The Insurer’s Duty to Defend: What You Need to Know
In the realm of liability insurance, the goal is to protect the insured against the financial consequences of damages caused to others. Article 2396 of the Civil Code of Quebec outlines the principles, but a fundamental aspect that is often overlooked is the insurer's obligation to defend the insured against any claim that could result in a judgment covered by the insurance policy. This obligation is found in Article 2503 of the Civil Code of Quebec, yet it remains frequently ignored.