Section 42-5-80 - Liability of insurer(A) No policy of insurance against liability arising under this title may be issued unless it contains the agreement of the insurer that it will promptly pay to the person entitled thereto all benefits conferred by this title, and all installments of the compensation that may be awarded or agreed upon, and that the obligation shall not be affected by any default of the insured or by any default in giving notice required by such policy or otherwise.(B) Such agreement must be construed to be a direct promise by the insurer to the person entitled to compensation enforceable in his name.(C) Any insurer who issues a policy of compensation insurance to an employer not subject to this title may not plead as a defense that the employer is not subject to this title and is estopped to deny coverage.1988 Act No. 411, Section 2, eff 3/28/1988; 1936 (39) 1231; 1942 Code Section 7035-74; 1952 Code Section 72-408; 1962 Code Section 72-408.