What does defense costs in addition to the limit of liability mean?
Sometimes you will hear the phrase defense costs in addition to the limit of liability, claims expenses outside the limit of liability, or something similar. If your coverage has this feature, it means that costs to defend you (see above) will not reduce the limit of liability you purchased to pay the claimants. How much of a limit you can get for defense costs can differ among insurance companies. In addition, some companies put no limit on the amount available for defense costs.
