OPINION
JOHN F. THOREEN, Judge.
The Braults sued four liquor establishments (Irishman's Shanty, Hooter's Sports Bar, I.C. Muggs, and Northland Lodge) and their insurance companies (Acceptance Indemnity Insurance Company and Empire Fire and Marine Insurance Company) in a declaratory judgment action to determine the policy coverage for each establishment. The liquor establishments filed cross-claims.
The district court...
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