The trial court erred in dismissing the insured’s bad faith claim against the title insurer which had denied the insured’s tender of defense. The complexity of facts associated with the underlying legal claim and difficulty of ascertaining whether those facts might support a claim under the policy weigh against the insurer denying a defense. An insurer must defend against a suit even where the evidence suggests, but does not conclusively establish, that the loss is not covered. The insurer is excused from defending against a third party claim “only when ‘ “the third party complaint can by no conceivable theory raise a single issue which could bring it within the policy coverage. Here, the insurer’s coverage counsel examined only the theory alleged in the third party complaint against the insured and not other possible theories which might be covered.