SALMON, Judge.
The single issue to be addressed in this opinion is whether Zurich Insurance Company ("Zurich") had a duty to defend the owner of an apartment building and a property management company from a lawsuit brought by Sonia Davila, who was injured in an elevator accident on January 6, 1994. The firm of Barnes, Morris, Pardoe and Foster Management Services, LP ("BMPF"), at all times here relevant, managed the office building where Ms. Davila was injured, and...
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