# Reservation of Rights

_Glossary_

Canonical: https://www.claimspages.com/learn/glossary/reservation-of-rights/

A letter from an insurer stating it is investigating or defending a claim without waiving the right to later deny coverage.

A reservation of rights (ROR) preserves the insurer's coverage defenses while the claim proceeds. It puts the insured on notice that some facts or policy provisions may result in denial or partial denial later. In liability claims, defense under ROR is common while coverage is investigated.

Insureds may seek independent counsel (Cumis counsel in some jurisdictions) when a conflict exists between insurer and insured over coverage.



The liability insurer appoints defense counsel but sends an ROR because the complaint alleges intentional acts potentially excluded by the policy.