SYKES, Circuit Judge.
Nautilus Insurance Company filed this declaratory-judgment action to determine whether it has a duty to defend or indemnify its insured, 1452-4 North Milwaukee Avenue LLC ("1452 LLC"), against lawsuits alleging that an excavation on 1452 LLC's property damaged a neighboring building. In Nautilus's view, none of the claimed damage is covered because two clauses in the insurance policy—the "contractors and subcontractors" exclusion and the...
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