OPINION
CRIPPEN, Judge.
Appellants Ministers Life and Arnold Henkel commenced a declaratory judgment action against respondent St. Paul Fire & Marine Insurance Company, claiming St. Paul Fire was obligated to defend and indemnify Ministers Life and Henkel in a defamation action. St. Paul Fire contended two exclusions contained in policy endorsements precluded coverage for the claims against appellants. The parties stipulated to the relevant facts and...
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