BAUER, Circuit Judge.
Phusion Projects, Inc. and Phusion Projects, LLC are the business entities responsible for the manufacturing and distribution of an alcoholic beverage called "Four Loko." In addition to alcohol, the original Four Loko formula contained energy stimulants, such as caffeine, guarana, taurine, and wormwood.
Phusion purchased a commercial general liability insurance policy from the Netherlands Insurance Company and a commercial umbrella liability...
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