PADGETT, Judge.
These consolidated cases involve an appeal and a cross-appeal from a summary judgment entered below against Hawaiian Insurance & Guaranty Company, Ltd. (hereinafter referred to as "HIG"). Essentially, two questions are involved: The first is whether HIG had a duty to defend Air Service Corporation (hereinafter referred to as "ASC") and Associated Aviation Activities (hereinafter referred to as "AAA") and Standard Oil Company of California (hereinafter...
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