Which of the following is an enforceable promise made by the insurer in a unilateral contract?

In a unilateral contract, only one party makes a legally enforceable promise, while the other party’s obligations are based on their performance, such as paying premiums in an insurance context. The promise made by the insurer, which is legally binding, is to pay benefits for insured losses. This is a fundamental aspect of an insurance contract; it ensures that if a covered event occurs, the insurer is obligated to compensate the insured for their losses according to the terms specified in the policy.

The obligations to investigate claims or communicate with third parties are duties that the insurer may fulfill, but these do not represent a direct, enforceable promise to the insured. Similarly, initiating policy renewals is typically dependent on the mutual agreement and might not be seen as a unilateral promise. Thus, the specificity of the insurer’s promise to pay benefits for covered losses solidifies this option as the correct answer.