MANION, Circuit Judge.
Hudson Insurance Company (Hudson) contracted with Gelman Sciences, Inc. (Gelman) to provide $4 million in excess umbrella liability coverage. Gelman's primary insurer, Central National Insurance Company (Central), provided Gelman with an initial one million dollars of liability coverage. Mission National Insurance Company (Mission) insured Gelman for the next $20 million in liability. Thus Hudson covered any liability between $21 and $25 million...
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