Ask whether these costs sit inside the liability limit or are payable in addition. Also check any consent requirement before appointing lawyers or incurring costs.
In a quotation table, give defence-cost treatment its own row. Two policies showing the same liability limit can leave different amounts available for damages.
If a demand arrives, follow the policy notification process promptly and preserve the correspondence. Do not assume your usual law firm has already been authorised by the insurer.
Sources
- AIG Singapore: Commercial General Liability policy wording
Pages 3, 6–9 and 18: contract, schedule, liability limits, defence costs, deductible and subrogation.
Reviewed 23 October 2026 · Source details