Amber Heard wants her insurance company to cover a portion of the verdict Johnny Depp won against her, but the insurance co. says Amber’s own conduct allows them to tell her to pound sand.

Here’s the deal. Amber had a $1 million liability policy with New York Marine and General Insurance Co. The policy covers all sorts of wrongful conduct, including defamation … but there’s a catch.

The governing law for the insurance policy is California, and under California law, an insurance company is not on the hook if the insured (Amber) committed wrongful, “WILLFUL” misconduct. New York Marine says not only did the jury find the defamation Amber committed was willful, it was malicious.