OPINION AND ORDER
FRYE, District Judge:
This matter is before the court on cross motions for summary judgment of plaintiff Allstate Insurance Co. (Allstate) and defendants Robert A. Browning, Christopher Mark Browning, and Kathleen J. Browning (Brownings). Allstate seeks a judgment in its favor on the issue of its liability for Christopher Browning's acts under the policy of insurance issued by Allstate to Christopher Browning's parents; Brownings
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