to forego an insurer’s assistance for various reasons, including the insured’s fear that premiums would increase or that the policy would be canceled in the future. Cincinnati, 183 Ill. 2d at 326. An insured has the right to selectively tender its defense and indemnification to one of several common insurers. Kajima, 368 Ill. App. 3d at 669. The “right” to selectively tender, despite its criticism, has been characterized as “paramount.” Legion Insurance Co. v. Empire Fire & Marine Insurance Co., 354 Ill. App. 3d 699, 703 (2004) (explaining that an insured has the paramount right to choose or knowingly forego an insurer’s participation in a claim); Alcan United, Inc. v. West Bend Mutual Insurance Co., 303 Ill. App. 3d 72, 79 (1999), quoting Institute of London, 234 Ill. App. 3d at 79 (<HOLDING>). See also Chicago Hospital Risk Pooling
holding that an insurers duty to defend arises from the allegations in the complaint against the insured recognizing the paramount right of the insured  to seek or not to seek an insurers participation in a claim as the insured chooses  holding despite a reservation of rights that when the insurer provides a defense to its insured the insured has no right to interfere with the insurers control of the defense and a stipulated judgment between the insured and the injured claimant without the consent of the insurer is ineffective to impose liability upon the insurer holding a personal profit exclusion applicable to an insured corporation where the purpose of the exclusion was to exclude coverage when the insured received profits to which the insured was not legally entitled holding that the use of the phrase any insured rather than the insured the same language used in the employers liability exclusion here meant that the exclusion was not limited to injuries sustained by the employees or contractors of one insured party