OPINION
KLAPHAKE, Judge.
Appellant Larry Houg was sued by M.C., a former parishioner who alleged Houg, in the course of providing counseling to M.C., sexually abused her. Houg tendered the defense of M.C.'s action to respondent State Farm, which had issued a church policy covering Houg and Bethel Lutheran Church. State Farm asserted it had no duty to defend or indemnify Houg, and Houg brought the present declaratory judgment action.
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