ZARELLA, J.
This case comes before us upon our acceptance of a certified question from the United States Court of Appeals for the Second Circuit, arising within the context of a dispute between the defendant, TD Banknorth Insurance Agency, Inc. (TD Banknorth), and the plaintiff, Fireman's Fund Insurance Company (Fireman's Fund), pertaining to a liability insurance policy. Pursuant to General Statutes § 51-199b,
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