LORD, J., February 8, 1996.
I. INTRODUCTION
In this declaratory judgment action, St. Paul Marine and Fire Insurance Company sought a determination from this court that it is not obligated to indemnify The Bergquist Company, who was St. Paul's insured pursuant to a commercial general liability insurance policy, with respect to certain claims made by the Sunroc Corporation against Bergquist. Both St. Paul and
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