OPINION
HILL, J.
INTRODUCTION
Appellant City of Bakersfield (the City) appeals from a judgment in favor of respondent Essex Insurance Company (Essex) that held that Essex did not owe the City a duty to defend or indemnify it in a related lawsuit, Navarro v. Fulamex I (Super. Ct. Kern County, 2005, No. S-1500-CV-254712)
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