OPINION
COLE, Circuit Judge.
Stryker Corporation ("Stryker"), a manufacturer of medical devices, brought an insurance coverage action against its umbrella insurer XL Insurance America, Inc. ("XL"), seeking coverage for claims stemming from the implantation of expired artificial knees. The district court held that XL was liable under the policy for the entirety of Stryker's losses on both direct claims brought against Stryker, as well as claims brought against...
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