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An insurance company was sued for denying insurance coverage for various claims that were submitted to it for payment. The insurance company issued a bankruptcy policy of insurance for extended service contracts that were sold by a third party. The third party was primarily liable for the payment of covered claims losses under its extended service contracts. The insurance policy is only triggered if the third party went bankrupt or failed to pay a claim, which occurred in this case. We successfully defended the insurance company on the basis that the third party was using extended service contract forms that had not been previously approved by the insurance company, and these unapproved forms provided for payment of claims that were not covered in the insurance policy.