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It can finance large and unexpected liability claims and thereby protect the assets of its owners, and will normally cover both legal liability and the defence costs, the sum of which may be so substantial in some cases as to jeopardise the solvency of the firm.
This enables major and unexpected insurance events to be funded, thus protecting the assets of business owners and usually covering both legal liability and legal service costs which, on some occasions, may be large enough to impede the company's ability to pay.