CARLEY, Justice.
Penn-America Insurance Company (Penn-America) issued a liability policy covering Disabled American Veterans, Inc. (DAV), Robert Lee, and McCrary-Adams, Chapter 9, DAV (Insureds). The policy excludes from coverage any liability for bodily injury to Insureds' employees arising out of and in the course of employment. Lois Farley and her husband brought a tort action against Insureds, seeking damages for injuries sustained by Ms. Farley on DAVs premises...
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