PATTERSON, Judge.
St. Paul Fire & Marine Insurance Company (St. Paul) appeals from the summary judgment which determines that it has the obligation under its liability insurance policies to defend appellee Naples Community Hospital, Inc. (Naples), in a lawsuit Collier Medical Center, Inc. (Collier), filed against Naples. We hold that the causes of action raised by Collier are not covered by the terms of the insurance contracts and, therefore, reverse.
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