Yes, defense expenses are included within the policy limit. The policy offers pre-claim assistance to cover expenses associated with the investigation and mitigation of a potential claim, at the Underwriters’ sole discretion. If a claim against you is pursued, the underwriters reserve the right in selecting the counsel for your defense. Additional benefits include payment up to $10,000 in addition to the aggregate limit of liability for attorney and related fees in response to a subpoena. And, you can expect reimbursement of legal fees and expenses resulting from a disciplinary proceeding, up to $10,000.