Conflicts of interest occurs whenever the interests of two or more parties diverge from one another. As applied to liability insurance, an insurer and policyholder develop conflicts of interest whenever the insurer denies coverage to the policyholder for a plaintiff’s lawsuit. Conflicts of interest between insurer an policyholder may create an ethical conflicts for any attorney representing the interests of both the insurer and the policyholder. “Conflict of interest occurs when a person charged with looking after the interest of A and B is faced with an option whereby if he makes one choice it will of necessity hurt A and help B, and if he makes the other choice he will of necessity help A and hurt B.” (Hartford Acc. & Indem. Co. v. Foster 528 So.2d 255, 268 (Miss. 1988).) See, Conflicts of Interest.