Liability insurance policies

	a.	Always protect the insured from liability for claims made while the policy is in effect, regardless of when the tort occurs.
	b.	Cannot provide coverage to protect the insured from his own negligence.
	c.	Normally do not provide coverage for punitive damages liability.
	d.	Always protect the insured from liability for torts that occur while the policy is in effect, regardless of when the claim is made.