Supplementary payments are normally defined to include such items as first aid expenses, premiums for appeal and bail bonds, pre- and post-judgment interest, and reasonable travel expenses incurred by the insured at the insurer's request when assisting in the defense of a claim. Actual settlements or judgments are considered damages rather than supplementary payments. Attorneys' fees may be considered as either damages or supplementary payments, depending on the policy. Commercial general liability and business automobile liability policies cover supplementary payments in addition to their limits of liability. In contrast, supplementary payments reduce the limit of coverage under most (although not all) professional liability policies.