OPINION OF THE COURT
MAZZARELLI, J. P.
This litigation involves a dispute as to the rights and obligations of insurer and insureds under two policies issued by plaintiff American Home Assurance Company (American Home) to two licensed social workers, defendants Rory McDonald and Helene Anisfeld.
American Home issued two identical social worker's professional liability policies to McDonald and Anisfeld. Each paid a separate premium for their policy...
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