The Liability Coverage in the HO Policy Does All the Following

The Liability coverage in the HO policy does all the following except:

A) defends a suit against the insured even if the allegations of the suit are groundless, false or fraudulent
B) covers the insured's own property destroyed by another's negligence
C) pays for immediate medical and surgical expenses incurred by other(s)
D) reimburses the insured for all reasonable expenses incurred at the request of the company