Insurance companies routinely retain counsel to advise them on coverage interpretation and obligations. In certain cases, it is not uncommon for an insured to also appoint counsel to more or less “keep an eye” on the claim and independently advise the claim examiner and/or claim department leader on what is reported or advised by defense counsel (or the adjuster). This role is commonly known as monitoring counsel, underwriters’ representative or watching counsel. Sometimes the same counsel is appointed to provide coverage advice and monitor the claim through settlement, arbitration award or judgment on the merits. 

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