BROWN, J.
This appeal concerns a liquor liability insurance policy written by the Liquor Liability Joint Underwriting Association of Massachusetts (LLJUA) for its insured, Quincy Motel Corporation (QMC). That policy provided the maximum amount of liquor liability coverage — $500,000 per claimant/$1 million per occurrence — and insured QMC's Aquarius Lounge located in Quincy.
After substantial dram shop claims had been made against
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