This guide states the law governing liability insurance coverage from tender through indemnity. Part 1 covers policy architecture — insuring agreements, triggers, exclusions, conditions, definitions, and endorsements. Parts 2 and 3 cover the duty to defend, the eight corners rule, the extrinsic evidence split, reservations of rights, conflicts, and independent counsel. Part 4 covers the consequences of a wrongful refusal, including estoppel, consent judgments, and assignment of coverage claims. Parts 5 and 6 cover indemnity, allocation, exhaustion, other insurance, additional insured endorsements, and contractual indemnity. Part 7 covers bad faith and the excess judgment, including the constitutional limits on punitive awards. Part 8 covers coverage litigation procedure, parties, sequencing, burdens, and fees. Later parts address McCarran-Ferguson, ERISA preemption, insurer insolvency, and the state variations that decide many disputes.