ROSELLINI, J.
The plaintiff, who conducts a grocery business in Bremerton, was issued by the defendant a policy of liability insurance containing the following provisions which are pertinent to this action:
"Coverage A. To pay on behalf of the Insured all sums which the Insured shall become legally obligated to pay as damages because of bodily injury ... sustained by any person, caused by accident and arising out of [certain enumerated hazards]....
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