OPINION
WILLIAM A. FLETCHER, Circuit Judge:
This case lies at the intersection of visual art and commercial property insurance. Appellants Robert J. Cort and the Robert J. Cort Trust ("the Corts") argue that their property insurance policy gave rise to a duty to defend by their insurer, appellee St. Paul Fire and Marine Insurance/Fidelity and Guaranty Insurance Underwriters, Inc. ("St.Paul"), when the Corts were sued after they covered a mural on the wall...
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