At all times relevant to this appeal, plaintiffs operated a family farm in the Town of Groton, Tompkins County. During the period December 1, 1992 through December 1, 1993, plaintiffs had in effect a policy of liability insurance (hereinafter the policy) issued by defendant, which provided coverage for property damage and personal injury. In 1994, neighboring landowners, John LaVigne and Carol LaVigne, commenced an action against plaintiffs...
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