CUMMINGS, Circuit Judge.
Peter Larsen was a police officer employed by the City of Beloit, Wisconsin. On January 4, 1985, he was shot twice in the head while attempting to apprehend a kidnapper. The wounds left Officer Larsen semi-comatose and quadriplegic. His wife, Pamela Larsen, is also his legal guardian. At the time of the shooting, the City of Beloit maintained a worker's compensation insurance policy with Home Insurance Company. This policy and the Wisconsin...
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