Ethical obligations of independent defense counsel some issues affecting independent counsel notably those just discussed require particular attention to the interaction of the lawyers duties and the insurance law duties of the policyholder insurance law has a primary role in those issues with lawyer duties a secondary consideration. Insurance defense counsel have unique and complicated professional responsibilities arising from their dual relationships with the insured who is being defended and the insurer who is providing the defense and must pay the judgment or settlement assuming it is covered. Ethical handling of insurance defense representations by william t barker professional responsibilities of insurance defense lawyers 45 duke lj 255 257 n4 1995 a whether defense counsel represents the insurer is a matter of contract between them 9 7. Representation principle in insurance defense cases reason that joint representation is alters his obligations or responsibilities to the insured id between insurer and defense counsel could indeed work mischief yet to hold that a mere commercial
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