OPINION
D. MICHAEL SWINEY, J., delivered the opinion of the Court, in which JOHN W. McCLARTY, and THOMAS R. FRIERSON, II, JJ., joined.
Tennessee Farmers Mutual Insurance Company ("Tennessee Farmers") sued W. Phillip Reed, Personal Representative of the Estate of Carol LaRue; Rufus Everett; Delight Everett; and Lilla Farner seeking a declaratory judgment with regard to rights and obligations under a commercial general liability insurance policy. Tennessee...
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