STROUD, Judge.
This is a breach of contract action involving an insurance contract for workers' compensation and employers' liability insurance. Plaintiff North Carolina Farm Bureau Mutual Insurance Company, Inc. insured defendant T-N-T Carports, Inc. ("T-N-T") pursuant to two workers' compensation insurance policies. Plaintiff issued each policy with an initial premium determined by the estimated annual payroll of covered T-N-T employees. This initial premium was...
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