Insurers are often faced with claims presenting factual issues, and the determination of the factual issues is relevant to both the insured's liability for the claim and the insurer's obligation to provide coverage. One common example is whether an individual was acting within the course and scope of their employment by the insured corporation at the time of the underlying incident. Resolution of this issue will often determine whether the insured corporation is vicariously liable for the individual's alleged negligence, and if the individual qualifies as an insured under the insured's policy.