The law is clear that where "an insurer has no duty to defend, it necessarily has no duty to indemnify." Canopius US Ins., Inc. v. Middleton, 202 F. Supp. 3d 540, 546 (D.S.C. 2016); see also Atain Specialty Ins. Co. v. Carolina Prof'l Builders, LLC, 2020 WL 5877143, at *8 (D.S.C. Oct. 2, 2020) ("Because the duty to defend is broader than the duty to indemnify, if there is no duty to defend, then as a matter of law, an insurer also has no duty to indemnify its insured."). Because the court found the Commonwealth has no duty to defend plaintiffs as a matter of law, Commonwealth necessarily has no duty to indemnify plaintiffs.