| http://www.w3.org/ns/prov#value | - Faced with uncertainty as to its duty to indemnify, an insurer offers a defense under reservation of rights to avoid the risks that an inept or lackadaisical defense of the underlying action may expose it to if it turns out there is a duty to indemnify.5 At the same time, the insurer wishes to preserve its right to contest the duty to indemnify if the defense is unsuccessful.
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