Bell, C.J., Raker Wilner, Cathell Harrell, Battaglia Greene, JJ. This matter arises from a declaratory judgment action filed by Barrett Goldstein, M.D. against Property and Casualty Insurance Guaranty Corporation (“”PCIGC””), 1 and Medical Mutual Liability Society of Maryland (“”Medical Mutual””). Dr. Goldstein, an orthopedic surgeon, sought a determination of whether PCIGC or Medical Mutual was obligated to provide a defense and indemnification for him in a contribution action filed by Montague Blundon, III, M.D. The Circuit Court for Montgomery County held that both companies were obligated to provide a defense and to indemnify Dr. Goldstein. PCIGC and Medical Mutual appealed. Prior to consideration of the matter in the Court of Special Appeals we granted certiorari on our own motion. See Medical Mutual Liability Society of Maryland v. Goldstein, 385 Md. 161, 867 A.2d 1062 (2005).