Does a liability insurance policy promise to defend and indemnify the insured against injury claims?

"[A] liability insurance policy's express promise to defend and indemnify the insured against injury claims implies a duty to settle third party claims in an appropriate case. [Citations.]" ( Kransco v. American Empire Surplus Lines Ins. Co. (2000) 23 Cal.4th 390, 401, 97 Cal.Rptr.2d 151, 2 P.3d 1.) "Although an insurance policy normally only carries an express statement of a duty to defend, an insurer's duty to settle is derived from the implied

[62 Cal.App.5th 54]