MORRIS, Judge.
Essex Insurance Company appeals a final judgment in a declaratory action filed by Essex against Patrick O'Fell, the Hillsborough County Sheriff's Office, and Big Top of Tampa, Inc. In the final declaratory judgment, the trial court ruled that Essex, as Big Top's insurer, has a duty to defend and indemnify Big Top for O'Fell's claims against Big Top. We reverse because the insurance policy at issue clearly excludes
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