The plaintiff Hartford Accident and Indemnity Co. on November 11, 1973 issued a workers' compensation policy to the defendant Coastal Dry Dock and Repair Corp. (Coastal), effective for three years. A further policy was issued on November 30, 1976, to run to January 15, 1977. Under the terms of the policy the claims of Coastal's employees would be handled directly by the plaintiff insurer (Hartford) and paid by the insurer. The basic standard premium for the policy based on...
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