The insurer for Tim Thomas reserved its right in part on the grounds that Bart's claim may not be covered for indemnity because of the intentional harm exclusion and that punitive damages were excluded from coverage. The insurer specifically asked for defense counsel's evaluation of how likely it was that Billy would prevail on the assault and battery claim and how likely it was that punitive damages would be awarded. The defense counsel believed that punitive damages against a child were not at all likely, and reported that to the insurer. But defense counsel was hesitant to report to the insurer the assessment that there was a 50% chance that Billy would prevail on the assault and battery claim. Please analyze the defense counsel's options for how to handle this under the two-client and single-client

models.