LOKEN, Circuit Judge.
Kirksville College of Osteopathic Medicine, Inc. ("Kirksville"), was sued by its neighbor, Lewistown Heet Gas Co. ("Lewistown"), for damages caused by a ruptured underground cistern. Kirksville's liability insurers, Royal Insurance Company of America and American Employers Insurance Company (collectively, "Royal") filed this diversity declaratory judgment action, seeking a ruling they had no duty to defend or indemnify Kirksville because of the...
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