Demetrius Rush, of Zurich North America, discusses claims involving liability policies with significant deductibles. Demetrius discusses the push and pull in the relationship between a sophisticated policyholder, who must pay a significant portion of an adverse judgment or settlement, and the carrier, who is contractually obligated to provide a defense and resolve claims. Demetrius also discusses the extracontractual challenges where carriers are not allowed to handle the claim as they would prefer.