Rehearing and Rehearing En Banc Denied September 23, 1992.
MANION, Circuit Judge.
In 1981, Lawrence Bayer purchased a Personal Liability Umbrella Policy from State Farm Fire and Casualty Company. The original policy was for one year but the policy contained a provision automatically renewing the policy for each succeeding year.
The policy contained several exclusions, including a "business operations" exclusion. That exclusion provided:
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