For claims teams, this is the part that stings. Sunbelt says it tendered both suits to Niagara and to the Travelers insurers covering Niagara. According to the complaint, the Travelers claims handlers agreed to “accept defense and indemnity” for both cases with no reservation of rights – then took over the defense, declined to pass along a settlement offer ACE had approved, and went to trial. A jury found Sunbelt liable for negligence, and a judgment of $8,904,430.68 followed. 

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