First Dollar Defense Endorsement
The definition of First Dollar Defense: "Provides coverage for defense expenses related to a claim from the first dollar. Allows the deductible to be applied to the loss only." This endorsement should be considered for high deductible professional errors and omissions liability insurance deductibles to preserve out of pocket defense if your organization is named in a lawsuit. In most cases your deductible is required only if you company is liable for the damages. This endorsement may offer your organization protection against frivolous lawsuits.