HALL, Justice.
We shall refer to plaintiff in error as plaintiff or Spillane, and to defendant in error as defendant.
On November 6, 1949, the defendant, for an annual premium of $114.80, issued and delivered to plaintiff its Schedule Liability Policy (Manufacturers or Contractors Form) No. SMC 151506, the policy period being from November 6, 1949, to November 6, 1950. In the policy declarations, Item I states:
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