Cross-Liability

A policy provision that treats each insured under the policy as if they had their own separate policy for the purpose of determining coverage for claims between insureds. In a law firm context, cross-liability coverage ensures that if one partner is sued by another partner or by the firm itself, the policy evaluates each party's coverage independently. This provision works in tension with the insured vs. insured exclusion and is critical for multi-partner firms where internal disputes may give rise to professional liability claims. Cross-liability language is sometimes included automatically via the severability of interests clause.