Insurance 101 – Chapter 5 – Volume 38 – Self-Defense


After the Supreme Court of California decided Gray v. Zurich Ins. Co. (supra), liability insurers provided a defense to their insureds in cases involving physical altercations where the insured claims that he or she acted in self-defense. The reasoning employed by the courts to impose a duty to defend is that an injury inflicted in self-defense may not rise to the level of “willful” and “intentional” injury, which is excluded from coverage under the wording of most liability insurance policies or the public policy stated in Section 533 of the California Insurance Code.

The following video was adapted from my book, “Insurance Claims A Comprehensive Guide” Published by the National Underwriter Company and is available at the Zalma Insurance Claims Library

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The author and publisher disclaim any liability, loss, or risk incurred as a consequence, directly or indirectly, of the use and application of any of the contents of this blog. The information provided is not a substitute for the advice of a competent insurance, legal, or other professional. The Information provided at this site should not be relied on as legal advice. Legal advice cannot be given without full consideration of all relevant information relating to an individual situation.

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