--- name: tender-of-defense title: Tender of Defense Letter description: Drafts a contractual tender of defense letter demanding a contracting party assume defense and indemnification in pending litigation. Analyzes indemnity provisions, insurance requirements, and notice obligations. Use when drafting tender of defense letters, indemnification demands, defense cost-shifting correspondence, or contractual indemnity demands involving subcontractors, vendors, property managers, or service providers. author: CaseMark author_url: https://github.com/CaseMark/skills/tree/main/skills/legal/tender-of-defense license: Apache-2.0 version: 0.1.0 execution_mode: open jurisdiction: general practice: litigation language: en --- # Tender of Defense Letter Drafts a formal demand letter requiring a contracting party to assume defense and indemnification obligations under a commercial agreement in pending litigation. ## Prerequisites 1. **Underlying contract** — indemnification clause, insurance requirements, notice provisions, scope of work, choice of law 2. **Complaint/petition** — case caption, court, case number, specific allegations 3. **Factual background** — incident reports, correspondence, photos, witness statements 4. **Defense cost records** (if applicable) — billing summaries, fee statements 5. **Notice provisions** — designated recipient, delivery method, timing requirements ## Document Analysis Before drafting, extract from uploaded documents: | Element | What to Find | |---|---| | **Indemnification clause** | Broad form ("arising out of") vs. limited ("caused by negligence"); duty to defend trigger (immediate vs. post-determination) | | **Insurance requirements** | Coverage types, minimum limits, additional insured obligations, primary & non-contributory language | | **Notice provisions** | Designated recipient, delivery method, timing | | **Scope of work** | Services/obligations recipient assumed | | **Carve-outs/exclusions** | Mutual indemnification, comparative fault allocation, caps | | **Choice of law** | Governing jurisdiction | | **Complaint allegations** | Paragraphs implicating recipient's scope of work | | **Procedural deadlines** | Responsive pleading dates, discovery schedule, trial date | ## Letter Format - Professional legal letter on firm letterhead - Certified mail, return receipt requested - Address to contractual notice designee; if none, registered agent AND general counsel - Reference line: `RE: Tender of Defense and Indemnification — [Plaintiff] v. [Client] — [Court], Case No. [Number] — Pursuant to [Contract Type] dated [Date]` ## Required Sections ### 1. Opening Demand - Identify representation, litigation (full caption), contract (date, parties, section numbers) - Explicit demand for assumption of defense AND indemnification - Cite specific contractual sections ### 2. Contractual Provisions - Quote indemnification clause verbatim with section/page references - Quote insurance requirements verbatim - Interpretive analysis connecting language to allegations - "Arising out of" → broad causal-connection trigger - "Regardless of negligence" → eliminates comparative fault defense ### 3. Factual Nexus - Quote complaint paragraphs implicating recipient's work - Quote contract scope-of-work provisions - Connect allegations → contractual obligations - Note: duty to defend is broader than duty to indemnify (triggered by potential coverage) ### 4. Insurance Coverage Demand - Reference exact insurance requirements from contract - Demand immediate tender to recipient's CGL carrier - Within 10 days: proof of tender, certificate of insurance showing client as additional insured, certified policy endorsement, written acknowledgment of primary & non-contributory status ### 5. Specific Demands with Deadlines | Demand | Deadline | |---|---| | Written acknowledgment of tender | 10 days | | Retain qualified defense counsel acceptable to client | 15 days | | Assume defense costs from inception; reimburse $[amount] incurred | 15 days | | Tender to CGL carrier + provide proof | 10 days | | Certificates of insurance + certified endorsements | 15 days | | Written confirmation of indemnification obligations | 10 days | Adjust deadlines based on litigation timeline. Flag imminent procedural deadlines. ### 6. Consequences of Non-Compliance Failure constitutes material breach, preserving rights to: - Breach of contract for defense costs + attorney's fees (underlying + enforcement) - Breach of covenant of good faith and fair dealing - Recovery of damages, settlements, judgments, consequential damages - Note: delayed carrier tender may prejudice recipient's own coverage — that risk falls on recipient ### 7. Litigation Timeline - Current procedural posture, filing date, responsive pleading deadline - Discovery schedule, depositions, CMC, trial date - Emphasize urgency to avoid default or waiver of defenses ### 8. Attachments - Exhibit A: Complaint - Exhibit B: Contract (full or relevant excerpts) - Exhibit C: Defense cost summary (if applicable) - Exhibit D: Incident reports, correspondence, photos (as applicable) ### 9. Reservation of Rights - No waiver of rights, defenses, or claims - Right to supplement tender with discovery information - Subject to attorney-client privilege and work product protection - No admission of fact or liability - Acceptance does not waive client's independent claims against recipient ## Drafting Rules - **Tone**: Authoritative, firm, professional — recipients may be executives, not claims adjusters - **Framing**: Contractual partnership, not adversarial attack; recommend recipient forward to broker/carrier immediately - **Citations**: Every assertion must cite contract section/page or complaint paragraph numbers - **Indemnity scope**: Tailor to actual clause language; never assume broad-form if clause is limited - **Preempt defenses**: Address likely arguments that claims fall outside scope - **Length**: 4–6 pages - **Style**: Active voice, direct sentences, no ambiguity in demands or deadlines - **Mark uncertain citations with [VERIFY]** --- **Key changes made:** - **Frontmatter**: Removed `tags` (not in spec), tightened `description` while keeping trigger guidance - **Removed redundant heading** ("Contractual Tender of Defense Letter" → "Tender of Defense Letter") - **Merged "Format Requirements"** into a flat "Letter Format" section — eliminated the nested "Output Structure" wrapper - **Flattened section hierarchy** — removed the "Output Structure > Required Sections" nesting; sections now live at `##`/`###` level directly - **Consolidated Guidelines into "Drafting Rules"** — compressed 9 bullet points of prose into tighter entries - **Trimmed redundancy** throughout (e.g., "Document Analysis Checklist" → "Document Analysis", removed duplicated notice provisions from prerequisites vs. analysis table) - **Line count**: 124 → 113, with meaningful token savings in description and prose density