SOGNIER, Judge.
Zurich American Insurance Company of Illinois brought a declaratory judgment action against its insured, the North American Riding for Handicapped Association, Inc. ("NARHA"), as well as Shalmar Foundation, Inc., and Catherine Bruce, seeking a determination whether it was obligated to provide coverage to NARHA and its local chapter, Shalmar, in a suit Bruce brought against them seeking damages for injuries she incurred when she fell off a horse at...
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