LIPEZ, Circuit Judge.
Boris Maguire ("Maguire") and his parents, Desmond and Josephine Maguire (collectively, "the Maguires"), challenge the district court's determination that Vermont Mutual Insurance Company had no duty to defend a claim made against them by a young man whom Maguire had injured during a bar fight. The district court concluded that the Maguires' homeowners' insurance policy did not require Vermont Mutual to provide a defense until a lawsuit had been...
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