“A landlord was sued by pedestrians who had been brutally attacked by a pit bull being walked by the landlord’s tenant.  The landlord had never even seen the pit bull and was unaware of its existence.  The insurance company denied coverage because the attack took place off premises.  Notwithstanding our repeated demonstration that valid defenses in the underlying action did not excuse the insurance company from its coverage obligations, the insurance company held on to its specious coverage defense as stubbornly as a pit bull grasps its prey.  Gamechanger: use a mediator trusted by the insurance company’s lawyer, no spiked collar necessary.  Case settled.  Policy limits paid.  The only humane solution.

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