BENHAM, Judge.
Appellant, United States Fire Insurance Company ("U. S. Fire") issued a policy of aviation insurance to appellee Cowley & Associates for a private plane that the company owned. The policy Mr. Cowley selected covered "personal and pleasure use and use in direct connection with the insured's business, excluding any operation for which a charge is made." Cowley used a pilot, Jeff McConnell, who flew the plane for Cowley as an independent contractor...
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