In an insurance defense model, it’s easy to think of the carrier as the client. They are, after all, the ones paying the bills. They set guidelines, dictate reporting requirements, and ultimately decide whether to settle or proceed to trial. But the reality is more nuanced. The insured—the business or individual being defended—is the true client. For the insured, a lawsuit isn’t just another case. It’s not one of 50 files sitting on a lawyer’s desk. It’s personal. It’s their business, their r...