An insuring agreement may state the insurer's promise to do all of the following in the event of a covered loss, EXCEPT:

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An insuring agreement may state the insurer's promise to do all of the following in the event of a covered loss, EXCEPT:

A. Indemnify the insured
B. Defend against the claim
C. Surcharge the insured
D. Pay the claim

Answer: C. Insuring agreements do not concern surcharges. Following a loss, the insurer seeks to fulfill the promise set out in the insuring agreement to pay, defend, or indemnify the insured in the event of a covered claim.

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